Home > United Bank of Iowa > Performance and Condition Ratios
United Bank of Iowa, Performance and Condition Ratios
| 2024-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 319 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0261% | 3,061 |
| Cost of funding earning assets | 2.7793% | 735 |
| Net interest margin | 2.2468% | 4,127 |
| Noninterest income to average assets | 0.5600% | 1,666 |
| Noninterest expense to average assets | 1.7370% | 4,038 |
| Loan and lease loss provision to assets | 0.0600% | 2,000 |
| Net operating income to assets | 0.8290% | 2,609 |
| Return on assets (ROA) | 0.8335% | 2,602 |
| Pretax return on assets | 0.8647% | 2,907 |
| Return on Equity (ROE) | 11.0100% | 1,885 |
| Retained earnings to average equity (ytd only) | 6.7820% | 1,512 |
| Net charge-offs to loans | 0.0176% | 2,282 |
| Credit loss provision to net charge-offs | 510.5455% | 619 |
| Earnings coverage of net charge-offs (x) | 80.8000% | 922 |
| Efficiency ratio | 64.6567% | 2,648 |
| Assets per employee ($millions) | 8.2732% | 1,382 |
| Cash dividends to net income (ytd only)* | 38.3921% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3622% | 1,429 |
| Loan loss allowance to noncurrent loans | 447.1152% | 1,294 |
| Noncurrent assets plus other real estate owned to assets | 0.2124% | 2,406 |
| Noncurrent loans to loans | 0.3047% | 2,357 |
| Net loans and leases to total assets | 64.5600% | 2,518 |
| Net loans and leases to deposits | 82.1954% | 1,941 |
| Net loans and leases to core deposits | 98.7953% | 1,530 |
| Total domestic deposits to total assets | 78.5500% | 3,713 |
| Equity capital to assets | 7.7750% | 3,630 |
| Core capital (leverage) ratio | 9.5789% | 3,146 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,791 |
| Memoranda: | ||
| Average total assets | $2,420,560,600 | 495 |
| Average earning assets | $2,261,882,800 | 489 |
| Average equity | $183,280,400 | 622 |
| Average total loans | $1,565,592,000 | 520 |
| 2024-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 305 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0092% | 3,015 |
| Cost of funding earning assets | 2.7994% | 706 |
| Net interest margin | 2.2098% | 4,163 |
| Noninterest income to average assets | 0.4700% | 2,018 |
| Noninterest expense to average assets | 1.7153% | 4,055 |
| Loan and lease loss provision to assets | 0.0600% | 1,841 |
| Net operating income to assets | 0.7250% | 2,917 |
| Return on assets (ROA) | 0.7253% | 2,935 |
| Pretax return on assets | 0.7615% | 3,125 |
| Return on Equity (ROE) | 9.6400% | 2,291 |
| Retained earnings to average equity (ytd only) | 5.9094% | 2,115 |
| Net charge-offs to loans | 0.0171% | 2,043 |
| Credit loss provision to net charge-offs | 521.3930% | 611 |
| Earnings coverage of net charge-offs (x) | 74.0647% | 972 |
| Efficiency ratio | 66.8852% | 2,381 |
| Assets per employee ($millions) | 8.1752% | 1,428 |
| Cash dividends to net income (ytd only)* | 38.7182% | 1,817 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3665% | 1,459 |
| Loan loss allowance to noncurrent loans | 414.0930% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.2164% | 2,382 |
| Noncurrent loans to loans | 0.3300% | 2,286 |
| Net loans and leases to total assets | 62.3500% | 2,694 |
| Net loans and leases to deposits | 80.6200% | 2,122 |
| Net loans and leases to core deposits | 96.5011% | 1,730 |
| Total domestic deposits to total assets | 77.3300% | 3,793 |
| Equity capital to assets | 8.0348% | 3,693 |
| Core capital (leverage) ratio | 9.5699% | 3,210 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,827 |
| Memoranda: | ||
| Average total assets | $2,423,826,250 | 490 |
| Average earning assets | $2,266,169,000 | 483 |
| Average equity | $182,304,500 | 616 |
| Average total loans | $1,563,035,250 | 512 |
| 2024-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 306 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9883% | 2,973 |
| Cost of funding earning assets | 2.7646% | 697 |
| Net interest margin | 2.2237% | 4,146 |
| Noninterest income to average assets | 0.4700% | 1,991 |
| Noninterest expense to average assets | 1.6717% | 4,119 |
| Loan and lease loss provision to assets | 0.0600% | 1,720 |
| Net operating income to assets | 0.7853% | 2,670 |
| Return on assets (ROA) | 0.7843% | 2,690 |
| Pretax return on assets | 0.8233% | 2,948 |
| Return on Equity (ROE) | 10.6800% | 1,980 |
| Retained earnings to average equity (ytd only) | 7.4707% | 1,516 |
| Net charge-offs to loans | 0.0105% | 2,026 |
| Credit loss provision to net charge-offs | 848.7805% | 445 |
| Earnings coverage of net charge-offs (x) | 129.8293% | 658 |
| Efficiency ratio | 64.6694% | 2,684 |
| Assets per employee ($millions) | 8.1093% | 1,397 |
| Cash dividends to net income (ytd only)* | 30.0169% | 2,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3499% | 1,545 |
| Loan loss allowance to noncurrent loans | 358.3376% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.2444% | 2,206 |
| Noncurrent loans to loans | 0.3767% | 2,062 |
| Net loans and leases to total assets | 64.0100% | 2,564 |
| Net loans and leases to deposits | 82.7698% | 1,946 |
| Net loans and leases to core deposits | 98.8196% | 1,556 |
| Total domestic deposits to total assets | 77.3300% | 3,785 |
| Equity capital to assets | 7.5005% | 3,730 |
| Core capital (leverage) ratio | 9.5139% | 3,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,851 |
| Memoranda: | ||
| Average total assets | $2,414,244,333 | 493 |
| Average earning assets | $2,260,803,333 | 481 |
| Average equity | $177,386,333 | 628 |
| Average total loans | $1,567,280,000 | 513 |
| 2024-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 11 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9313% | 2,922 |
| Cost of funding earning assets | 2.7072% | 708 |
| Net interest margin | 2.2241% | 4,161 |
| Noninterest income to average assets | 0.4800% | 1,876 |
| Noninterest expense to average assets | 1.6496% | 4,149 |
| Loan and lease loss provision to assets | 0.0600% | 1,561 |
| Net operating income to assets | 0.8208% | 2,480 |
| Return on assets (ROA) | 0.8235% | 2,484 |
| Pretax return on assets | 0.8641% | 2,768 |
| Return on Equity (ROE) | 11.3200% | 1,766 |
| Retained earnings to average equity (ytd only) | 11.3243% | 864 |
| Net charge-offs to loans | 0.0945% | 754 |
| Credit loss provision to net charge-offs | 93.5484% | 1,208 |
| Earnings coverage of net charge-offs (x) | 14.9731% | 1,474 |
| Efficiency ratio | 63.4472% | 2,877 |
| Assets per employee ($millions) | 8.4372% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,272 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3013% | 1,750 |
| Loan loss allowance to noncurrent loans | 301.5439% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.2772% | 1,996 |
| Noncurrent loans to loans | 0.4316% | 1,844 |
| Net loans and leases to total assets | 63.4000% | 2,528 |
| Net loans and leases to deposits | 81.7125% | 1,910 |
| Net loans and leases to core deposits | 97.4246% | 1,563 |
| Total domestic deposits to total assets | 77.5900% | 3,845 |
| Equity capital to assets | 7.2859% | 3,773 |
| Core capital (leverage) ratio | 9.3593% | 3,342 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,874 |
| Memoranda: | ||
| Average total assets | $2,425,244,500 | 497 |
| Average earning assets | $2,271,869,000 | 482 |
| Average equity | $176,364,500 | 631 |
| Average total loans | $1,574,842,000 | 516 |
| 2023-12-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 46 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4988% | 3,100 |
| Cost of funding earning assets | 2.1636% | 687 |
| Net interest margin | 2.3351% | 4,231 |
| Noninterest income to average assets | 0.4900% | 2,036 |
| Noninterest expense to average assets | 1.6313% | 4,217 |
| Loan and lease loss provision to assets | 0.0300% | 2,526 |
| Net operating income to assets | 0.9710% | 2,304 |
| Return on assets (ROA) | 0.9745% | 2,281 |
| Pretax return on assets | 1.0202% | 2,615 |
| Return on Equity (ROE) | 14.0200% | 1,480 |
| Retained earnings to average equity (ytd only) | 5.8887% | 2,289 |
| Net charge-offs to loans | 0.0777% | 1,087 |
| Credit loss provision to net charge-offs | 50.0835% | 2,187 |
| Earnings coverage of net charge-offs (x) | 20.5618% | 1,854 |
| Efficiency ratio | 60.2468% | 3,053 |
| Assets per employee ($millions) | 8.4635% | 1,197 |
| Cash dividends to net income (ytd only)* | 57.9991% | 1,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2800% | 1,877 |
| Loan loss allowance to noncurrent loans | 299.9115% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 0.2801% | 1,822 |
| Noncurrent loans to loans | 0.4268% | 1,715 |
| Net loans and leases to total assets | 64.8000% | 2,388 |
| Net loans and leases to deposits | 84.6565% | 1,721 |
| Net loans and leases to core deposits | 101.5181% | 1,355 |
| Total domestic deposits to total assets | 76.5400% | 3,889 |
| Equity capital to assets | 7.2581% | 3,840 |
| Core capital (leverage) ratio | 9.1376% | 3,596 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,896 |
| Memoranda: | ||
| Average total assets | $2,364,207,400 | 492 |
| Average earning assets | $2,214,205,600 | 478 |
| Average equity | $164,331,400 | 629 |
| Average total loans | $1,540,939,400 | 506 |
| 2023-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 10 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3562% | 3,187 |
| Cost of funding earning assets | 2.0115% | 694 |
| Net interest margin | 2.3446% | 4,278 |
| Noninterest income to average assets | 0.4900% | 2,012 |
| Noninterest expense to average assets | 1.6685% | 4,165 |
| Loan and lease loss provision to assets | 0.0300% | 2,354 |
| Net operating income to assets | 0.9485% | 2,518 |
| Return on assets (ROA) | 0.9512% | 2,499 |
| Pretax return on assets | 0.9952% | 2,872 |
| Return on Equity (ROE) | 13.8400% | 1,695 |
| Retained earnings to average equity (ytd only) | 2.8096% | 3,553 |
| Net charge-offs to loans | 0.0242% | 1,599 |
| Credit loss provision to net charge-offs | 162.0939% | 1,264 |
| Earnings coverage of net charge-offs (x) | 64.7690% | 1,159 |
| Efficiency ratio | 61.3356% | 2,803 |
| Assets per employee ($millions) | 8.4011% | 1,163 |
| Cash dividends to net income (ytd only)* | 79.7030% | 469 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3457% | 1,668 |
| Loan loss allowance to noncurrent loans | 335.0849% | 1,875 |
| Noncurrent assets plus other real estate owned to assets | 0.2637% | 1,945 |
| Noncurrent loans to loans | 0.4016% | 1,823 |
| Net loans and leases to total assets | 64.4000% | 2,397 |
| Net loans and leases to deposits | 83.5866% | 1,773 |
| Net loans and leases to core deposits | 99.6303% | 1,334 |
| Total domestic deposits to total assets | 77.0500% | 3,923 |
| Equity capital to assets | 6.1668% | 3,927 |
| Core capital (leverage) ratio | 9.1437% | 3,642 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,911 |
| Memoranda: | ||
| Average total assets | $2,350,116,750 | 498 |
| Average earning assets | $2,203,235,250 | 484 |
| Average equity | $161,492,250 | 631 |
| Average total loans | $1,528,973,750 | 513 |
| 2023-06-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 43 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2426% | 3,207 |
| Cost of funding earning assets | 1.8488% | 678 |
| Net interest margin | 2.3938% | 4,303 |
| Noninterest income to average assets | 0.4700% | 2,031 |
| Noninterest expense to average assets | 1.6582% | 4,199 |
| Loan and lease loss provision to assets | 0.0300% | 2,254 |
| Net operating income to assets | 0.9846% | 2,468 |
| Return on assets (ROA) | 0.9877% | 2,449 |
| Pretax return on assets | 1.0396% | 2,798 |
| Return on Equity (ROE) | 13.8900% | 1,704 |
| Retained earnings to average equity (ytd only) | 1.7610% | 3,765 |
| Net charge-offs to loans | 0.0111% | 1,786 |
| Credit loss provision to net charge-offs | 353.5714% | 784 |
| Earnings coverage of net charge-offs (x) | 147.4167% | 759 |
| Efficiency ratio | 60.1961% | 2,934 |
| Assets per employee ($millions) | 7.9393% | 1,344 |
| Cash dividends to net income (ytd only)* | 87.3177% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3935% | 1,556 |
| Loan loss allowance to noncurrent loans | 351.4708% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.2560% | 1,918 |
| Noncurrent loans to loans | 0.3965% | 1,744 |
| Net loans and leases to total assets | 63.6800% | 2,414 |
| Net loans and leases to deposits | 82.9579% | 1,767 |
| Net loans and leases to core deposits | 95.0015% | 1,523 |
| Total domestic deposits to total assets | 76.7600% | 3,978 |
| Equity capital to assets | 7.0444% | 3,769 |
| Core capital (leverage) ratio | 9.1677% | 3,587 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 2,936 |
| Memoranda: | ||
| Average total assets | $2,332,583,000 | 490 |
| Average earning assets | $2,189,472,333 | 479 |
| Average equity | $165,932,333 | 618 |
| Average total loans | $1,515,806,333 | 504 |
| 2023-03-31 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0813% | 3,285 |
| Cost of funding earning assets | 1.6049% | 690 |
| Net interest margin | 2.4765% | 4,326 |
| Noninterest income to average assets | 0.4900% | 1,878 |
| Noninterest expense to average assets | 1.5911% | 4,313 |
| Loan and lease loss provision to assets | 0.0300% | 2,084 |
| Net operating income to assets | 1.1438% | 2,089 |
| Return on assets (ROA) | 1.1490% | 2,042 |
| Pretax return on assets | 1.1984% | 2,422 |
| Return on Equity (ROE) | 16.0700% | 1,343 |
| Retained earnings to average equity (ytd only) | 11.2566% | 1,411 |
| Net charge-offs to loans | 0.0338% | 1,046 |
| Credit loss provision to net charge-offs | 115.6250% | 1,045 |
| Earnings coverage of net charge-offs (x) | 55.3047% | 1,063 |
| Efficiency ratio | 55.8905% | 3,418 |
| Assets per employee ($millions) | 7.8526% | 1,432 |
| Cash dividends to net income (ytd only)* | 29.9625% | 1,734 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4022% | 1,610 |
| Loan loss allowance to noncurrent loans | 347.8586% | 2,034 |
| Noncurrent assets plus other real estate owned to assets | 0.2600% | 1,839 |
| Noncurrent loans to loans | 0.4031% | 1,724 |
| Net loans and leases to total assets | 63.6100% | 2,283 |
| Net loans and leases to deposits | 80.3465% | 1,792 |
| Net loans and leases to core deposits | 90.5236% | 1,586 |
| Total domestic deposits to total assets | 79.1700% | 3,881 |
| Equity capital to assets | 7.3874% | 3,625 |
| Core capital (leverage) ratio | 9.4644% | 3,248 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,020 |
| Memoranda: | ||
| Average total assets | $2,323,854,500 | 505 |
| Average earning assets | $2,181,344,000 | 490 |
| Average equity | $166,125,500 | 627 |
| Average total loans | $1,514,914,000 | 517 |
| 2022-09-30 | Rank | |
| Percentage of unprofitable institutions | 0.0000% | 1 |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 3,131 |
| Cost of funding earning assets | 0.4696% | 880 |
| Net interest margin | 2.8475% | 3,633 |
| Noninterest income to average assets | 0.5000% | 2,161 |
| Noninterest expense to average assets | 1.8573% | 3,852 |
| Loan and lease loss provision to assets | 0.0300% | 2,122 |
| Net operating income to assets | 1.2309% | 1,585 |
| Return on assets (ROA) | 1.2423% | 1,524 |
| Pretax return on assets | 1.3047% | 2,038 |
| Return on Equity (ROE) | 14.4600% | 1,304 |
| Retained earnings to average equity (ytd only) | 4.3947% | 3,327 |
| Net charge-offs to loans | -0.0141% | 3,851 |
| Credit loss provision to net charge-offs | 0.0000% | 1,679 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 2,297 |
| Efficiency ratio | 57.7304% | 3,413 |
| Assets per employee ($millions) | 7.5277% | 1,597 |
| Cash dividends to net income (ytd only)* | 69.6158% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,446 |
| Loan loss allowance to noncurrent loans | 348.3984% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.2690% | 1,877 |
| Noncurrent loans to loans | 0.4167% | 1,770 |
| Net loans and leases to total assets | 63.6200% | 2,122 |
| Net loans and leases to deposits | 79.2974% | 1,615 |
| Net loans and leases to core deposits | 89.4872% | 1,330 |
| Total domestic deposits to total assets | 80.2400% | 4,073 |
| Equity capital to assets | 7.0616% | 3,477 |
| Core capital (leverage) ratio | 9.5552% | 3,014 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 0.0000% | 3,120 |
| Memoranda: | ||
| Average total assets | $2,148,407,000 | 515 |
| Average earning assets | $2,019,624,500 | 502 |
| Average equity | $184,519,500 | 569 |
| Average total loans | $1,389,406,250 | 507 |
| 2022-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1854% | 3,087 |
| Cost of funding earning assets | 0.3532% | 1,230 |
| Net interest margin | 2.8321% | 3,342 |
| Noninterest income to average assets | 0.5041% | 2,179 |
| Noninterest expense to average assets | 1.9119% | 3,673 |
| Loan and lease loss provision to assets | 0.0281% | 2,085 |
| Net operating income to assets | 1.1694% | 1,538 |
| Return on assets (ROA) | 1.1776% | 1,487 |
| Pretax return on assets | 1.2398% | 1,934 |
| Return on Equity (ROE) | 12.9075% | 1,403 |
| Retained earnings to average equity (ytd only) | 2.4931% | 3,618 |
| Net charge-offs to loans | 0.0012% | 2,103 |
| Credit loss provision to net charge-offs | 3,725.0000% | 146 |
| Earnings coverage of net charge-offs (x) | 1,670.0000% | 66 |
| Efficiency ratio | 59.5637% | 3,355 |
| Assets per employee ($millions) | 7.3159% | 1,728 |
| Cash dividends to net income (ytd only)* | 80.6852% | 591 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5057% | 1,391 |
| Loan loss allowance to noncurrent loans | 318.6281% | 2,087 |
| Noncurrent assets plus other real estate owned to assets | 0.3023% | 1,793 |
| Noncurrent loans to loans | 0.4726% | 1,699 |
| Net loans and leases to total assets | 63.0098% | 2,013 |
| Net loans and leases to deposits | 75.4811% | 1,729 |
| Net loans and leases to core deposits | 83.1536% | 1,507 |
| Total domestic deposits to total assets | 83.4775% | 3,790 |
| Equity capital to assets | 7.9333% | 3,170 |
| Core capital (leverage) ratio | 9.8807% | 2,536 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,121,813,667 | 517 |
| Average earning assets | $1,998,137,333 | 508 |
| Average equity | $193,577,667 | 553 |
| Average total loans | $1,373,020,000 | 504 |
| 2022-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0615% | 3,080 |
| Cost of funding earning assets | 0.3160% | 1,502 |
| Net interest margin | 2.7455% | 3,295 |
| Noninterest income to average assets | 0.5236% | 2,021 |
| Noninterest expense to average assets | 1.8823% | 3,721 |
| Loan and lease loss provision to assets | 0.0280% | 1,864 |
| Net operating income to assets | 1.1358% | 1,421 |
| Return on assets (ROA) | 1.1558% | 1,362 |
| Pretax return on assets | 1.2210% | 1,731 |
| Return on Equity (ROE) | 11.8855% | 1,352 |
| Retained earnings to average equity (ytd only) | 11.8855% | 621 |
| Net charge-offs to loans | -0.0087% | 3,530 |
| Credit loss provision to net charge-offs | -493.3333% | 3,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8127% | 3,500 |
| Assets per employee ($millions) | 7.3067% | 1,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,254 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5296% | 1,462 |
| Loan loss allowance to noncurrent loans | 304.2670% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3176% | 1,851 |
| Noncurrent loans to loans | 0.5027% | 1,770 |
| Net loans and leases to total assets | 61.9616% | 1,863 |
| Net loans and leases to deposits | 72.3196% | 1,755 |
| Net loans and leases to core deposits | 79.8262% | 1,495 |
| Total domestic deposits to total assets | 85.6775% | 3,353 |
| Equity capital to assets | 9.2182% | 2,511 |
| Core capital (leverage) ratio | 10.0791% | 2,205 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $2,114,600,500 | 520 |
| Average earning assets | $1,992,376,500 | 513 |
| Average equity | $205,629,000 | 530 |
| Average total loans | $1,376,221,500 | 499 |
| 2021-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7298% | 2,031 |
| Cost of funding earning assets | 0.3972% | 1,563 |
| Net interest margin | 3.3326% | 2,229 |
| Noninterest income to average assets | 0.5179% | 2,488 |
| Noninterest expense to average assets | 1.8577% | 4,037 |
| Loan and lease loss provision to assets | 0.0355% | 2,340 |
| Net operating income to assets | 1.6436% | 717 |
| Return on assets (ROA) | 1.6775% | 695 |
| Pretax return on assets | 1.7631% | 995 |
| Return on Equity (ROE) | 15.5989% | 822 |
| Retained earnings to average equity (ytd only) | 7.3790% | 1,769 |
| Net charge-offs to loans | -0.0044% | 3,521 |
| Credit loss provision to net charge-offs | -1,206.8966% | 3,970 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4745% | 4,248 |
| Assets per employee ($millions) | 7.2018% | 1,788 |
| Cash dividends to net income (ytd only)* | 52.6956% | 1,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4342% | 1,789 |
| Loan loss allowance to noncurrent loans | 274.0376% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.3520% | 1,816 |
| Noncurrent loans to loans | 0.5234% | 1,822 |
| Net loans and leases to total assets | 66.2989% | 1,437 |
| Net loans and leases to deposits | 82.3704% | 1,029 |
| Net loans and leases to core deposits | 92.5533% | 848 |
| Total domestic deposits to total assets | 80.4887% | 4,165 |
| Equity capital to assets | 10.2359% | 2,434 |
| Core capital (leverage) ratio | 10.1843% | 2,184 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,970,445,200 | 542 |
| Average earning assets | $1,834,579,400 | 539 |
| Average equity | $211,899,400 | 513 |
| Average total loans | $1,328,882,400 | 514 |
| 2021-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8995% | 1,763 |
| Cost of funding earning assets | 0.4173% | 1,567 |
| Net interest margin | 3.4822% | 1,920 |
| Noninterest income to average assets | 0.5283% | 2,508 |
| Noninterest expense to average assets | 1.8744% | 4,003 |
| Loan and lease loss provision to assets | 0.0361% | 2,274 |
| Net operating income to assets | 1.7614% | 728 |
| Return on assets (ROA) | 1.7983% | 698 |
| Pretax return on assets | 1.8912% | 969 |
| Return on Equity (ROE) | 16.5067% | 848 |
| Retained earnings to average equity (ytd only) | 8.8756% | 1,743 |
| Net charge-offs to loans | 0.0017% | 2,345 |
| Credit loss provision to net charge-offs | 3,082.3529% | 231 |
| Earnings coverage of net charge-offs (x) | 1,614.0588% | 90 |
| Efficiency ratio | 48.9520% | 4,299 |
| Assets per employee ($millions) | 6.7584% | 2,043 |
| Cash dividends to net income (ytd only)* | 46.2304% | 1,355 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5242% | 1,538 |
| Loan loss allowance to noncurrent loans | 259.1180% | 2,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 1,874 |
| Noncurrent loans to loans | 0.5882% | 1,837 |
| Net loans and leases to total assets | 65.1457% | 1,641 |
| Net loans and leases to deposits | 78.4393% | 1,442 |
| Net loans and leases to core deposits | 88.4940% | 1,124 |
| Total domestic deposits to total assets | 83.0524% | 3,692 |
| Equity capital to assets | 10.8788% | 2,100 |
| Core capital (leverage) ratio | 10.4691% | 2,084 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,937,322,000 | 553 |
| Average earning assets | $1,799,512,000 | 553 |
| Average equity | $211,060,500 | 517 |
| Average total loans | $1,307,475,250 | 527 |
| 2021-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8755% | 1,882 |
| Cost of funding earning assets | 0.4393% | 1,595 |
| Net interest margin | 3.4361% | 2,046 |
| Noninterest income to average assets | 0.5255% | 2,506 |
| Noninterest expense to average assets | 1.8726% | 4,029 |
| Loan and lease loss provision to assets | 0.0361% | 2,271 |
| Net operating income to assets | 1.7310% | 827 |
| Return on assets (ROA) | 1.7548% | 834 |
| Pretax return on assets | 1.8416% | 1,140 |
| Return on Equity (ROE) | 16.0995% | 939 |
| Retained earnings to average equity (ytd only) | 7.8420% | 2,133 |
| Net charge-offs to loans | 0.0018% | 2,147 |
| Credit loss provision to net charge-offs | 2,891.6667% | 216 |
| Earnings coverage of net charge-offs (x) | 1,482.6667% | 77 |
| Efficiency ratio | 49.3934% | 4,277 |
| Assets per employee ($millions) | 6.5279% | 2,144 |
| Cash dividends to net income (ytd only)* | 51.2906% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5345% | 1,478 |
| Loan loss allowance to noncurrent loans | 260.3749% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.3935% | 2,027 |
| Noncurrent loans to loans | 0.5894% | 1,928 |
| Net loans and leases to total assets | 65.7423% | 1,713 |
| Net loans and leases to deposits | 77.9453% | 1,632 |
| Net loans and leases to core deposits | 88.1080% | 1,259 |
| Total domestic deposits to total assets | 84.3442% | 3,330 |
| Equity capital to assets | 10.9767% | 1,992 |
| Core capital (leverage) ratio | 10.1792% | 2,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,920,772,000 | 552 |
| Average earning assets | $1,788,589,000 | 550 |
| Average equity | $209,361,000 | 517 |
| Average total loans | $1,305,146,333 | 533 |
| 2021-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4358% | 3,102 |
| Cost of funding earning assets | 0.4746% | 1,565 |
| Net interest margin | 2.9612% | 3,351 |
| Noninterest income to average assets | 0.5314% | 2,474 |
| Noninterest expense to average assets | 1.8647% | 4,070 |
| Loan and lease loss provision to assets | 0.0362% | 2,293 |
| Net operating income to assets | 1.3086% | 1,800 |
| Return on assets (ROA) | 1.3223% | 1,840 |
| Pretax return on assets | 1.3985% | 2,283 |
| Return on Equity (ROE) | 12.1752% | 1,956 |
| Retained earnings to average equity (ytd only) | 12.1752% | 1,107 |
| Net charge-offs to loans | -0.0046% | 3,358 |
| Credit loss provision to net charge-offs | -1,153.3333% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7771% | 3,571 |
| Assets per employee ($millions) | 6.6563% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4984% | 1,614 |
| Loan loss allowance to noncurrent loans | 215.9347% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 1,988 |
| Noncurrent loans to loans | 0.6939% | 1,852 |
| Net loans and leases to total assets | 66.2338% | 1,767 |
| Net loans and leases to deposits | 78.1474% | 1,704 |
| Net loans and leases to core deposits | 87.5727% | 1,404 |
| Total domestic deposits to total assets | 84.7550% | 3,205 |
| Equity capital to assets | 10.6458% | 2,135 |
| Core capital (leverage) ratio | 10.2966% | 2,251 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,911,769,500 | 551 |
| Average earning assets | $1,777,644,000 | 548 |
| Average equity | $207,635,000 | 512 |
| Average total loans | $1,310,489,000 | 532 |
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9060% | 3,009 |
| Cost of funding earning assets | 0.8785% | 916 |
| Net interest margin | 3.0274% | 3,827 |
| Noninterest income to average assets | 0.5314% | 2,506 |
| Noninterest expense to average assets | 1.8919% | 4,330 |
| Loan and lease loss provision to assets | 0.0581% | 3,640 |
| Net operating income to assets | 1.3295% | 1,178 |
| Return on assets (ROA) | 1.3947% | 1,123 |
| Pretax return on assets | 1.4646% | 1,454 |
| Return on Equity (ROE) | 12.6176% | 1,143 |
| Retained earnings to average equity (ytd only) | 7.1482% | 1,340 |
| Net charge-offs to loans | 0.0756% | 1,729 |
| Credit loss provision to net charge-offs | 107.4414% | 2,747 |
| Earnings coverage of net charge-offs (x) | 26.8950% | 1,700 |
| Efficiency ratio | 55.5021% | 4,047 |
| Assets per employee ($millions) | 6.3924% | 2,008 |
| Cash dividends to net income (ytd only)* | 43.3477% | 2,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4964% | 1,594 |
| Loan loss allowance to noncurrent loans | 180.9078% | 2,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5812% | 1,813 |
| Noncurrent loans to loans | 0.8271% | 1,693 |
| Net loans and leases to total assets | 68.8726% | 1,710 |
| Net loans and leases to deposits | 82.8856% | 1,560 |
| Net loans and leases to core deposits | 94.5338% | 1,207 |
| Total domestic deposits to total assets | 83.0936% | 3,384 |
| Equity capital to assets | 11.0863% | 2,186 |
| Core capital (leverage) ratio | 10.1006% | 2,509 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,814,536,800 | 525 |
| Average earning assets | $1,686,900,200 | 516 |
| Average equity | $200,569,200 | 503 |
| Average total loans | $1,297,788,600 | 512 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,088 |
| Cost of funding earning assets | 0.9457% | 915 |
| Net interest margin | 3.0136% | 3,941 |
| Noninterest income to average assets | 0.5455% | 2,402 |
| Noninterest expense to average assets | 1.9445% | 4,261 |
| Loan and lease loss provision to assets | 0.0550% | 3,665 |
| Net operating income to assets | 1.2901% | 1,380 |
| Return on assets (ROA) | 1.3659% | 1,287 |
| Pretax return on assets | 1.4343% | 1,624 |
| Return on Equity (ROE) | 12.3669% | 1,282 |
| Retained earnings to average equity (ytd only) | 7.3916% | 1,541 |
| Net charge-offs to loans | 0.0904% | 1,402 |
| Credit loss provision to net charge-offs | 84.5279% | 2,732 |
| Earnings coverage of net charge-offs (x) | 21.6655% | 1,857 |
| Efficiency ratio | 56.9332% | 3,802 |
| Assets per employee ($millions) | 6.1078% | 2,170 |
| Cash dividends to net income (ytd only)* | 40.2308% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4723% | 1,466 |
| Loan loss allowance to noncurrent loans | 171.3374% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6130% | 1,895 |
| Noncurrent loans to loans | 0.8593% | 1,724 |
| Net loans and leases to total assets | 69.8601% | 1,975 |
| Net loans and leases to deposits | 84.6585% | 1,842 |
| Net loans and leases to core deposits | 96.5466% | 1,411 |
| Total domestic deposits to total assets | 82.5199% | 3,274 |
| Equity capital to assets | 11.0315% | 2,372 |
| Core capital (leverage) ratio | 10.1110% | 2,605 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,801,522,250 | 519 |
| Average earning assets | $1,678,929,500 | 509 |
| Average equity | $198,977,250 | 500 |
| Average total loans | $1,295,960,250 | 505 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,152 |
| Cost of funding earning assets | 1.0147% | 945 |
| Net interest margin | 3.0474% | 4,024 |
| Noninterest income to average assets | 0.5454% | 2,372 |
| Noninterest expense to average assets | 1.9523% | 4,325 |
| Loan and lease loss provision to assets | 0.0483% | 3,695 |
| Net operating income to assets | 1.3162% | 1,318 |
| Return on assets (ROA) | 1.3816% | 1,245 |
| Pretax return on assets | 1.4542% | 1,576 |
| Return on Equity (ROE) | 12.5039% | 1,217 |
| Retained earnings to average equity (ytd only) | 7.7363% | 1,390 |
| Net charge-offs to loans | 0.1201% | 1,125 |
| Credit loss provision to net charge-offs | 55.6129% | 2,600 |
| Earnings coverage of net charge-offs (x) | 16.5110% | 1,857 |
| Efficiency ratio | 56.6210% | 3,874 |
| Assets per employee ($millions) | 6.0874% | 2,104 |
| Cash dividends to net income (ytd only)* | 38.1284% | 2,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4494% | 1,409 |
| Loan loss allowance to noncurrent loans | 143.6668% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.7231% | 1,703 |
| Noncurrent loans to loans | 1.0089% | 1,535 |
| Net loans and leases to total assets | 70.4528% | 1,963 |
| Net loans and leases to deposits | 85.8897% | 1,777 |
| Net loans and leases to core deposits | 97.5615% | 1,448 |
| Total domestic deposits to total assets | 82.0271% | 3,363 |
| Equity capital to assets | 10.9214% | 2,411 |
| Core capital (leverage) ratio | 10.0646% | 2,769 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,785,139,667 | 516 |
| Average earning assets | $1,664,001,000 | 504 |
| Average equity | $197,250,667 | 503 |
| Average total loans | $1,290,547,000 | 500 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2944% | 2,943 |
| Cost of funding earning assets | 1.1219% | 981 |
| Net interest margin | 3.1725% | 3,926 |
| Noninterest income to average assets | 0.6182% | 1,958 |
| Noninterest expense to average assets | 1.9794% | 4,440 |
| Loan and lease loss provision to assets | 0.0289% | 3,421 |
| Net operating income to assets | 1.4824% | 817 |
| Return on assets (ROA) | 1.5504% | 764 |
| Pretax return on assets | 1.6324% | 988 |
| Return on Equity (ROE) | 13.9459% | 707 |
| Retained earnings to average equity (ytd only) | 13.9459% | 257 |
| Net charge-offs to loans | 0.0996% | 1,083 |
| Credit loss provision to net charge-offs | 39.9371% | 2,096 |
| Earnings coverage of net charge-offs (x) | 21.9403% | 1,375 |
| Efficiency ratio | 54.4561% | 4,364 |
| Assets per employee ($millions) | 5.7599% | 1,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,341 |
| Loan loss allowance to noncurrent loans | 167.0569% | 2,351 |
| Noncurrent assets plus other real estate owned to assets | 0.6522% | 2,045 |
| Noncurrent loans to loans | 0.8983% | 1,816 |
| Net loans and leases to total assets | 71.5062% | 2,000 |
| Net loans and leases to deposits | 88.4148% | 1,708 |
| Net loans and leases to core deposits | 99.7394% | 1,492 |
| Total domestic deposits to total assets | 80.8759% | 3,693 |
| Equity capital to assets | 11.2667% | 2,623 |
| Core capital (leverage) ratio | 10.4044% | 3,049 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,755,469,000 | 508 |
| Average earning assets | $1,632,930,500 | 500 |
| Average equity | $195,154,500 | 509 |
| Average total loans | $1,276,520,000 | 487 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 2,651 |
| Cost of funding earning assets | 1.3154% | 741 |
| Net interest margin | 3.2752% | 4,035 |
| Noninterest income to average assets | 0.6080% | 2,177 |
| Noninterest expense to average assets | 1.9503% | 4,605 |
| Loan and lease loss provision to assets | 0.0399% | 3,216 |
| Net operating income to assets | 1.5829% | 869 |
| Return on assets (ROA) | 1.5842% | 922 |
| Pretax return on assets | 1.6635% | 1,292 |
| Return on Equity (ROE) | 13.9243% | 913 |
| Retained earnings to average equity (ytd only) | 0.2244% | 4,623 |
| Net charge-offs to loans | 0.0505% | 2,394 |
| Credit loss provision to net charge-offs | 106.1389% | 2,340 |
| Earnings coverage of net charge-offs (x) | 45.2310% | 1,208 |
| Efficiency ratio | 52.5900% | 4,560 |
| Assets per employee ($millions) | 5.9884% | 1,647 |
| Cash dividends to net income (ytd only)* | 98.3882% | 337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 1,133 |
| Loan loss allowance to noncurrent loans | 189.6111% | 2,182 |
| Noncurrent assets plus other real estate owned to assets | 0.5897% | 2,128 |
| Noncurrent loans to loans | 0.8084% | 1,893 |
| Net loans and leases to total assets | 71.7231% | 2,130 |
| Net loans and leases to deposits | 88.7026% | 1,744 |
| Net loans and leases to core deposits | 99.4412% | 1,612 |
| Total domestic deposits to total assets | 80.8580% | 3,798 |
| Equity capital to assets | 10.9649% | 3,036 |
| Core capital (leverage) ratio | 10.2486% | 3,250 |
| Tier 1 risk-based capital ratio | 12.8371% | 3,877 |
| Total risk-based capital ratio | 14.0894% | 3,762 |
| Memoranda: | ||
| Average total assets | $1,644,856,200 | 517 |
| Average earning assets | $1,528,987,000 | 505 |
| Average equity | $187,139,800 | 498 |
| Average total loans | $1,226,207,200 | 487 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6233% | 2,648 |
| Cost of funding earning assets | 1.3383% | 700 |
| Net interest margin | 3.2850% | 4,114 |
| Noninterest income to average assets | 0.6123% | 2,137 |
| Noninterest expense to average assets | 1.9616% | 4,623 |
| Loan and lease loss provision to assets | 0.0374% | 3,148 |
| Net operating income to assets | 1.5880% | 962 |
| Return on assets (ROA) | 1.5898% | 1,000 |
| Pretax return on assets | 1.6717% | 1,414 |
| Return on Equity (ROE) | 13.8383% | 1,018 |
| Retained earnings to average equity (ytd only) | -0.1690% | 4,775 |
| Net charge-offs to loans | 0.0496% | 2,126 |
| Credit loss provision to net charge-offs | 100.6637% | 2,237 |
| Earnings coverage of net charge-offs (x) | 45.9072% | 1,254 |
| Efficiency ratio | 52.6934% | 4,536 |
| Assets per employee ($millions) | 5.8029% | 1,761 |
| Cash dividends to net income (ytd only)* | 101.2215% | 305 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5612% | 1,084 |
| Loan loss allowance to noncurrent loans | 178.6825% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6584% | 2,041 |
| Noncurrent loans to loans | 0.8737% | 1,833 |
| Net loans and leases to total assets | 74.0428% | 1,812 |
| Net loans and leases to deposits | 93.7460% | 1,241 |
| Net loans and leases to core deposits | 106.9044% | 1,116 |
| Total domestic deposits to total assets | 78.9824% | 4,191 |
| Equity capital to assets | 11.5616% | 2,620 |
| Core capital (leverage) ratio | 10.9002% | 2,738 |
| Tier 1 risk-based capital ratio | 13.2958% | 3,691 |
| Total risk-based capital ratio | 14.5483% | 3,590 |
| Memoranda: | ||
| Average total assets | $1,620,411,250 | 525 |
| Average earning assets | $1,507,798,000 | 513 |
| Average equity | $186,155,000 | 503 |
| Average total loans | $1,215,426,750 | 493 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5991% | 2,680 |
| Cost of funding earning assets | 1.3097% | 721 |
| Net interest margin | 3.2894% | 4,167 |
| Noninterest income to average assets | 0.6214% | 2,057 |
| Noninterest expense to average assets | 1.9676% | 4,660 |
| Loan and lease loss provision to assets | 0.0375% | 3,064 |
| Net operating income to assets | 1.5990% | 913 |
| Return on assets (ROA) | 1.5994% | 957 |
| Pretax return on assets | 1.6832% | 1,311 |
| Return on Equity (ROE) | 13.9524% | 992 |
| Retained earnings to average equity (ytd only) | -3.7936% | 5,007 |
| Net charge-offs to loans | 0.0335% | 2,195 |
| Credit loss provision to net charge-offs | 149.5050% | 1,497 |
| Earnings coverage of net charge-offs (x) | 68.5297% | 907 |
| Efficiency ratio | 52.6167% | 4,605 |
| Assets per employee ($millions) | 5.8194% | 1,675 |
| Cash dividends to net income (ytd only)* | 127.1894% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5982% | 1,030 |
| Loan loss allowance to noncurrent loans | 178.5237% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6690% | 2,050 |
| Noncurrent loans to loans | 0.8952% | 1,824 |
| Net loans and leases to total assets | 73.2293% | 2,018 |
| Net loans and leases to deposits | 92.6658% | 1,415 |
| Net loans and leases to core deposits | 106.0850% | 1,241 |
| Total domestic deposits to total assets | 79.0252% | 4,217 |
| Equity capital to assets | 11.4090% | 2,693 |
| Core capital (leverage) ratio | 10.7191% | 2,878 |
| Tier 1 risk-based capital ratio | 13.3409% | 3,665 |
| Total risk-based capital ratio | 14.5939% | 3,558 |
| Memoranda: | ||
| Average total assets | $1,609,272,330 | 524 |
| Average earning assets | $1,500,293,000 | 513 |
| Average equity | $184,470,330 | 505 |
| Average total loans | $1,205,915,000 | 496 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4738% | 2,961 |
| Cost of funding earning assets | 1.2402% | 794 |
| Net interest margin | 3.2336% | 4,323 |
| Noninterest income to average assets | 0.6233% | 1,945 |
| Noninterest expense to average assets | 1.9327% | 4,752 |
| Loan and lease loss provision to assets | 0.0377% | 2,872 |
| Net operating income to assets | 1.5882% | 919 |
| Return on assets (ROA) | 1.5898% | 942 |
| Pretax return on assets | 1.6702% | 1,285 |
| Return on Equity (ROE) | 13.8357% | 1,007 |
| Retained earnings to average equity (ytd only) | 13.8357% | 369 |
| Net charge-offs to loans | 0.0748% | 1,321 |
| Credit loss provision to net charge-offs | 66.9643% | 1,872 |
| Earnings coverage of net charge-offs (x) | 30.3393% | 1,324 |
| Efficiency ratio | 52.4457% | 4,665 |
| Assets per employee ($millions) | 5.9241% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6049% | 1,052 |
| Loan loss allowance to noncurrent loans | 147.1998% | 2,702 |
| Noncurrent assets plus other real estate owned to assets | 0.8230% | 1,725 |
| Noncurrent loans to loans | 1.0903% | 1,524 |
| Net loans and leases to total assets | 73.6039% | 1,884 |
| Net loans and leases to deposits | 91.9688% | 1,405 |
| Net loans and leases to core deposits | 105.1149% | 1,234 |
| Total domestic deposits to total assets | 80.0314% | 4,174 |
| Equity capital to assets | 11.6198% | 2,298 |
| Core capital (leverage) ratio | 11.1891% | 2,399 |
| Tier 1 risk-based capital ratio | 13.9085% | 3,388 |
| Total risk-based capital ratio | 15.1616% | 3,304 |
| Memoranda: | ||
| Average total assets | $1,593,378,000 | 530 |
| Average earning assets | $1,485,903,000 | 518 |
| Average equity | $183,091,500 | 504 |
| Average total loans | $1,198,244,500 | 501 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 2,802 |
| Cost of funding earning assets | 1.0457% | 621 |
| Net interest margin | 3.3419% | 4,150 |
| Noninterest income to average assets | 0.5968% | 2,311 |
| Noninterest expense to average assets | 1.8968% | 4,897 |
| Loan and lease loss provision to assets | 0.0469% | 3,245 |
| Net operating income to assets | 1.6826% | 716 |
| Return on assets (ROA) | 1.6853% | 709 |
| Pretax return on assets | 1.7679% | 1,003 |
| Return on Equity (ROE) | 14.9182% | 848 |
| Retained earnings to average equity (ytd only) | 6.8765% | 1,722 |
| Net charge-offs to loans | 0.0113% | 3,299 |
| Credit loss provision to net charge-offs | 546.2121% | 637 |
| Earnings coverage of net charge-offs (x) | 210.8788% | 437 |
| Efficiency ratio | 50.5441% | 4,906 |
| Assets per employee ($millions) | 5.7287% | 1,739 |
| Cash dividends to net income (ytd only)* | 53.9053% | 1,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6303% | 966 |
| Loan loss allowance to noncurrent loans | 236.6439% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 2,483 |
| Noncurrent loans to loans | 0.6889% | 2,266 |
| Net loans and leases to total assets | 74.3751% | 1,870 |
| Net loans and leases to deposits | 92.9896% | 1,402 |
| Net loans and leases to core deposits | 106.7779% | 1,210 |
| Total domestic deposits to total assets | 79.9822% | 4,111 |
| Equity capital to assets | 11.3588% | 2,360 |
| Core capital (leverage) ratio | 11.0138% | 2,514 |
| Tier 1 risk-based capital ratio | 13.5116% | 3,542 |
| Total risk-based capital ratio | 14.7650% | 3,449 |
| Memoranda: | ||
| Average total assets | $1,536,151,400 | 534 |
| Average earning assets | $1,430,520,600 | 520 |
| Average equity | $173,533,400 | 505 |
| Average total loans | $1,165,270,000 | 497 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3116% | 2,922 |
| Cost of funding earning assets | 0.9925% | 618 |
| Net interest margin | 3.3191% | 4,227 |
| Noninterest income to average assets | 0.5660% | 2,489 |
| Noninterest expense to average assets | 1.8989% | 4,904 |
| Loan and lease loss provision to assets | 0.0471% | 3,044 |
| Net operating income to assets | 1.6302% | 895 |
| Return on assets (ROA) | 1.6318% | 896 |
| Pretax return on assets | 1.7152% | 1,238 |
| Return on Equity (ROE) | 14.4659% | 995 |
| Retained earnings to average equity (ytd only) | 7.5864% | 1,857 |
| Net charge-offs to loans | -0.0070% | 4,305 |
| Credit loss provision to net charge-offs | -883.6066% | 4,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.3129% | 4,861 |
| Assets per employee ($millions) | 5.7100% | 1,725 |
| Cash dividends to net income (ytd only)* | 47.5563% | 1,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6178% | 1,031 |
| Loan loss allowance to noncurrent loans | 320.9283% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.3857% | 3,147 |
| Noncurrent loans to loans | 0.5041% | 2,875 |
| Net loans and leases to total assets | 74.9705% | 1,817 |
| Net loans and leases to deposits | 94.7238% | 1,296 |
| Net loans and leases to core deposits | 109.8006% | 1,047 |
| Total domestic deposits to total assets | 79.1464% | 4,291 |
| Equity capital to assets | 11.1185% | 2,550 |
| Core capital (leverage) ratio | 11.1567% | 2,449 |
| Tier 1 risk-based capital ratio | 13.3548% | 3,705 |
| Total risk-based capital ratio | 14.5651% | 3,645 |
| Memoranda: | ||
| Average total assets | $1,526,339,500 | 532 |
| Average earning assets | $1,422,512,000 | 518 |
| Average equity | $172,180,250 | 503 |
| Average total loans | $1,158,806,750 | 496 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2449% | 2,962 |
| Cost of funding earning assets | 0.9402% | 608 |
| Net interest margin | 3.3047% | 4,234 |
| Noninterest income to average assets | 0.5805% | 2,431 |
| Noninterest expense to average assets | 1.9161% | 4,937 |
| Loan and lease loss provision to assets | 0.0473% | 2,959 |
| Net operating income to assets | 1.6195% | 881 |
| Return on assets (ROA) | 1.6230% | 876 |
| Pretax return on assets | 1.7069% | 1,193 |
| Return on Equity (ROE) | 14.3198% | 1,002 |
| Retained earnings to average equity (ytd only) | 6.9542% | 2,098 |
| Net charge-offs to loans | -0.0486% | 4,914 |
| Credit loss provision to net charge-offs | -128.4173% | 4,111 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7017% | 4,919 |
| Assets per employee ($millions) | 5.6050% | 1,798 |
| Cash dividends to net income (ytd only)* | 51.4365% | 1,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6753% | 944 |
| Loan loss allowance to noncurrent loans | 331.3756% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 3,182 |
| Noncurrent loans to loans | 0.5056% | 2,905 |
| Net loans and leases to total assets | 75.4886% | 1,716 |
| Net loans and leases to deposits | 95.2803% | 1,220 |
| Net loans and leases to core deposits | 109.9515% | 1,006 |
| Total domestic deposits to total assets | 79.2279% | 4,388 |
| Equity capital to assets | 11.3934% | 2,270 |
| Core capital (leverage) ratio | 11.0178% | 2,509 |
| Tier 1 risk-based capital ratio | 13.5739% | 3,578 |
| Total risk-based capital ratio | 14.8279% | 3,487 |
| Memoranda: | ||
| Average total assets | $1,509,755,330 | 538 |
| Average earning assets | $1,409,878,670 | 524 |
| Average equity | $171,119,330 | 505 |
| Average total loans | $1,144,717,000 | 498 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1287% | 3,134 |
| Cost of funding earning assets | 0.8892% | 635 |
| Net interest margin | 3.2396% | 4,342 |
| Noninterest income to average assets | 0.5934% | 2,297 |
| Noninterest expense to average assets | 1.8889% | 5,033 |
| Loan and lease loss provision to assets | 0.0472% | 2,817 |
| Net operating income to assets | 1.5912% | 875 |
| Return on assets (ROA) | 1.5939% | 872 |
| Pretax return on assets | 1.6852% | 1,152 |
| Return on Equity (ROE) | 14.1000% | 991 |
| Retained earnings to average equity (ytd only) | 14.1000% | 400 |
| Net charge-offs to loans | 0.0074% | 2,478 |
| Credit loss provision to net charge-offs | 847.6190% | 394 |
| Earnings coverage of net charge-offs (x) | 310.4762% | 218 |
| Efficiency ratio | 51.6458% | 4,985 |
| Assets per employee ($millions) | 5.7799% | 1,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 1,012 |
| Loan loss allowance to noncurrent loans | 342.8313% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3673% | 3,364 |
| Noncurrent loans to loans | 0.4871% | 3,060 |
| Net loans and leases to total assets | 73.2614% | 1,986 |
| Net loans and leases to deposits | 91.8841% | 1,465 |
| Net loans and leases to core deposits | 105.5677% | 1,269 |
| Total domestic deposits to total assets | 79.7325% | 4,457 |
| Equity capital to assets | 11.3209% | 2,284 |
| Core capital (leverage) ratio | 11.3129% | 2,155 |
| Tier 1 risk-based capital ratio | 13.8798% | 3,444 |
| Total risk-based capital ratio | 15.1338% | 3,357 |
| Memoranda: | ||
| Average total assets | $1,507,960,500 | 541 |
| Average earning assets | $1,408,082,000 | 527 |
| Average equity | $170,468,000 | 511 |
| Average total loans | $1,136,141,500 | 506 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 3,109 |
| Cost of funding earning assets | 0.7676% | 748 |
| Net interest margin | 3.3164% | 4,108 |
| Noninterest income to average assets | 0.6269% | 2,322 |
| Noninterest expense to average assets | 1.8891% | 5,128 |
| Loan and lease loss provision to assets | 0.0505% | 3,213 |
| Net operating income to assets | 1.6972% | 528 |
| Return on assets (ROA) | 1.7011% | 542 |
| Pretax return on assets | 1.7851% | 819 |
| Return on Equity (ROE) | 15.0444% | 603 |
| Retained earnings to average equity (ytd only) | 7.1761% | 1,014 |
| Net charge-offs to loans | 0.0376% | 3,042 |
| Credit loss provision to net charge-offs | 176.6990% | 1,538 |
| Earnings coverage of net charge-offs (x) | 64.0680% | 911 |
| Efficiency ratio | 50.1967% | 5,210 |
| Assets per employee ($millions) | 5.7530% | 1,707 |
| Cash dividends to net income (ytd only)* | 52.3004% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6584% | 1,014 |
| Loan loss allowance to noncurrent loans | 329.0807% | 1,556 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 3,206 |
| Noncurrent loans to loans | 0.5040% | 3,012 |
| Net loans and leases to total assets | 74.9366% | 1,761 |
| Net loans and leases to deposits | 95.1979% | 1,155 |
| Net loans and leases to core deposits | 109.0157% | 1,061 |
| Total domestic deposits to total assets | 78.7166% | 4,604 |
| Equity capital to assets | 11.2878% | 2,373 |
| Core capital (leverage) ratio | 10.9254% | 2,403 |
| Tier 1 risk-based capital ratio | 13.3158% | 3,733 |
| Total risk-based capital ratio | 14.5695% | 3,642 |
| Memoranda: | ||
| Average total assets | $1,441,291,800 | 536 |
| Average earning assets | $1,344,457,600 | 528 |
| Average equity | $162,971,400 | 512 |
| Average total loans | $1,095,611,800 | 498 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 3,246 |
| Cost of funding earning assets | 0.7398% | 801 |
| Net interest margin | 3.2907% | 4,200 |
| Noninterest income to average assets | 0.6276% | 2,325 |
| Noninterest expense to average assets | 1.8820% | 5,161 |
| Loan and lease loss provision to assets | 0.0508% | 3,078 |
| Net operating income to assets | 1.6804% | 603 |
| Return on assets (ROA) | 1.6860% | 610 |
| Pretax return on assets | 1.7741% | 947 |
| Return on Equity (ROE) | 14.9044% | 663 |
| Retained earnings to average equity (ytd only) | 6.8683% | 1,759 |
| Net charge-offs to loans | 0.0394% | 2,651 |
| Credit loss provision to net charge-offs | 169.7819% | 1,532 |
| Earnings coverage of net charge-offs (x) | 60.7382% | 984 |
| Efficiency ratio | 50.2660% | 5,233 |
| Assets per employee ($millions) | 5.6771% | 1,748 |
| Cash dividends to net income (ytd only)* | 53.9177% | 1,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6908% | 1,053 |
| Loan loss allowance to noncurrent loans | 276.9288% | 1,695 |
| Noncurrent assets plus other real estate owned to assets | 0.4644% | 3,177 |
| Noncurrent loans to loans | 0.6106% | 2,886 |
| Net loans and leases to total assets | 74.3791% | 1,860 |
| Net loans and leases to deposits | 93.3929% | 1,368 |
| Net loans and leases to core deposits | 107.3358% | 1,182 |
| Total domestic deposits to total assets | 79.6411% | 4,407 |
| Equity capital to assets | 11.3030% | 2,572 |
| Core capital (leverage) ratio | 11.0908% | 2,381 |
| Tier 1 risk-based capital ratio | 13.4050% | 3,761 |
| Total risk-based capital ratio | 14.6592% | 3,679 |
| Memoranda: | ||
| Average total assets | $1,429,107,000 | 541 |
| Average earning assets | $1,334,732,500 | 532 |
| Average equity | $161,666,500 | 518 |
| Average total loans | $1,085,662,750 | 500 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0010% | 3,204 |
| Cost of funding earning assets | 0.7104% | 844 |
| Net interest margin | 3.2905% | 4,139 |
| Noninterest income to average assets | 0.6022% | 2,441 |
| Noninterest expense to average assets | 1.8745% | 5,221 |
| Loan and lease loss provision to assets | 0.0509% | 2,967 |
| Net operating income to assets | 1.6670% | 602 |
| Return on assets (ROA) | 1.6721% | 615 |
| Pretax return on assets | 1.7588% | 925 |
| Return on Equity (ROE) | 14.7770% | 699 |
| Retained earnings to average equity (ytd only) | 6.1994% | 2,019 |
| Net charge-offs to loans | 0.0380% | 2,441 |
| Credit loss provision to net charge-offs | 176.0976% | 1,378 |
| Earnings coverage of net charge-offs (x) | 62.3707% | 927 |
| Efficiency ratio | 50.3625% | 5,283 |
| Assets per employee ($millions) | 5.4301% | 1,939 |
| Cash dividends to net income (ytd only)* | 58.0471% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7099% | 1,040 |
| Loan loss allowance to noncurrent loans | 319.7842% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4139% | 3,457 |
| Noncurrent loans to loans | 0.5347% | 3,155 |
| Net loans and leases to total assets | 75.4332% | 1,624 |
| Net loans and leases to deposits | 94.2447% | 1,238 |
| Net loans and leases to core deposits | 106.8926% | 1,166 |
| Total domestic deposits to total assets | 80.0397% | 4,401 |
| Equity capital to assets | 11.4168% | 2,398 |
| Core capital (leverage) ratio | 10.9956% | 2,409 |
| Tier 1 risk-based capital ratio | 13.1987% | 3,880 |
| Total risk-based capital ratio | 14.4529% | 3,779 |
| Memoranda: | ||
| Average total assets | $1,417,246,670 | 544 |
| Average earning assets | $1,325,129,670 | 535 |
| Average equity | $160,371,000 | 523 |
| Average total loans | $1,078,164,000 | 501 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9183% | 3,330 |
| Cost of funding earning assets | 0.6820% | 917 |
| Net interest margin | 3.2363% | 4,224 |
| Noninterest income to average assets | 0.5684% | 2,562 |
| Noninterest expense to average assets | 1.8935% | 5,250 |
| Loan and lease loss provision to assets | 0.0509% | 2,790 |
| Net operating income to assets | 1.5876% | 696 |
| Return on assets (ROA) | 1.5901% | 706 |
| Pretax return on assets | 1.6526% | 1,118 |
| Return on Equity (ROE) | 14.1154% | 784 |
| Retained earnings to average equity (ytd only) | 14.1154% | 287 |
| Net charge-offs to loans | 0.0665% | 1,665 |
| Credit loss provision to net charge-offs | 101.1236% | 1,551 |
| Earnings coverage of net charge-offs (x) | 33.7921% | 1,141 |
| Efficiency ratio | 52.0809% | 5,260 |
| Assets per employee ($millions) | 5.4655% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7259% | 1,096 |
| Loan loss allowance to noncurrent loans | 262.0153% | 1,812 |
| Noncurrent assets plus other real estate owned to assets | 0.4994% | 3,219 |
| Noncurrent loans to loans | 0.6587% | 2,854 |
| Net loans and leases to total assets | 73.9006% | 1,761 |
| Net loans and leases to deposits | 90.0874% | 1,523 |
| Net loans and leases to core deposits | 101.5135% | 1,401 |
| Total domestic deposits to total assets | 82.0321% | 4,158 |
| Equity capital to assets | 11.3891% | 2,271 |
| Core capital (leverage) ratio | 11.1477% | 2,236 |
| Tier 1 risk-based capital ratio | 13.5579% | 3,747 |
| Total risk-based capital ratio | 14.8123% | 3,652 |
| Memoranda: | ||
| Average total assets | $1,414,526,500 | 550 |
| Average earning assets | $1,322,612,500 | 535 |
| Average equity | $159,343,500 | 522 |
| Average total loans | $1,071,322,500 | 503 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9879% | 3,233 |
| Cost of funding earning assets | 0.6656% | 978 |
| Net interest margin | 3.3223% | 4,076 |
| Noninterest income to average assets | 0.6310% | 2,502 |
| Noninterest expense to average assets | 1.9807% | 5,226 |
| Loan and lease loss provision to assets | 0.0803% | 2,754 |
| Net operating income to assets | 1.5909% | 696 |
| Return on assets (ROA) | 1.5921% | 718 |
| Pretax return on assets | 1.6685% | 1,087 |
| Return on Equity (ROE) | 14.1802% | 745 |
| Retained earnings to average equity (ytd only) | 6.2081% | 1,605 |
| Net charge-offs to loans | 0.0716% | 2,674 |
| Credit loss provision to net charge-offs | 143.0052% | 1,919 |
| Earnings coverage of net charge-offs (x) | 31.1114% | 1,397 |
| Efficiency ratio | 52.5429% | 5,346 |
| Assets per employee ($millions) | 5.3945% | 1,961 |
| Cash dividends to net income (ytd only)* | 56.2197% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7303% | 1,087 |
| Loan loss allowance to noncurrent loans | 226.7916% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5850% | 2,979 |
| Noncurrent loans to loans | 0.7629% | 2,634 |
| Net loans and leases to total assets | 74.9651% | 1,699 |
| Net loans and leases to deposits | 91.6224% | 1,499 |
| Net loans and leases to core deposits | 104.5279% | 1,241 |
| Total domestic deposits to total assets | 81.8197% | 4,124 |
| Equity capital to assets | 11.1384% | 2,490 |
| Core capital (leverage) ratio | 10.8019% | 2,531 |
| Tier 1 risk-based capital ratio | 13.0628% | 4,026 |
| Total risk-based capital ratio | 14.3172% | 3,934 |
| Memoranda: | ||
| Average total assets | $1,374,390,400 | 539 |
| Average earning assets | $1,281,244,600 | 531 |
| Average equity | $154,313,400 | 513 |
| Average total loans | $1,078,748,800 | 480 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0264% | 3,126 |
| Cost of funding earning assets | 0.6597% | 1,007 |
| Net interest margin | 3.3667% | 3,965 |
| Noninterest income to average assets | 0.6495% | 2,423 |
| Noninterest expense to average assets | 1.9708% | 5,265 |
| Loan and lease loss provision to assets | 0.0806% | 2,595 |
| Net operating income to assets | 1.6520% | 658 |
| Return on assets (ROA) | 1.6523% | 691 |
| Pretax return on assets | 1.7381% | 1,021 |
| Return on Equity (ROE) | 14.6862% | 706 |
| Retained earnings to average equity (ytd only) | 7.1780% | 1,536 |
| Net charge-offs to loans | 0.0820% | 2,148 |
| Credit loss provision to net charge-offs | 124.3609% | 2,037 |
| Earnings coverage of net charge-offs (x) | 28.0437% | 1,543 |
| Efficiency ratio | 51.4411% | 5,415 |
| Assets per employee ($millions) | 5.2287% | 2,114 |
| Cash dividends to net income (ytd only)* | 51.1242% | 1,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7025% | 1,219 |
| Loan loss allowance to noncurrent loans | 136.0858% | 2,985 |
| Noncurrent assets plus other real estate owned to assets | 0.9721% | 2,128 |
| Noncurrent loans to loans | 1.2510% | 1,789 |
| Net loans and leases to total assets | 75.8619% | 1,543 |
| Net loans and leases to deposits | 92.9818% | 1,372 |
| Net loans and leases to core deposits | 105.8756% | 1,192 |
| Total domestic deposits to total assets | 81.5878% | 4,082 |
| Equity capital to assets | 11.2688% | 2,728 |
| Core capital (leverage) ratio | 10.8120% | 2,673 |
| Tier 1 risk-based capital ratio | 12.9219% | 4,211 |
| Total risk-based capital ratio | 14.1761% | 4,116 |
| Memoranda: | ||
| Average total assets | $1,367,348,250 | 545 |
| Average earning assets | $1,275,162,250 | 534 |
| Average equity | $153,836,250 | 519 |
| Average total loans | $1,080,950,250 | 475 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0744% | 2,978 |
| Cost of funding earning assets | 0.6495% | 1,057 |
| Net interest margin | 3.4249% | 3,778 |
| Noninterest income to average assets | 0.6573% | 2,340 |
| Noninterest expense to average assets | 1.9156% | 5,425 |
| Loan and lease loss provision to assets | 0.0809% | 2,521 |
| Net operating income to assets | 1.7688% | 502 |
| Return on assets (ROA) | 1.7692% | 533 |
| Pretax return on assets | 1.8573% | 768 |
| Return on Equity (ROE) | 15.7341% | 570 |
| Retained earnings to average equity (ytd only) | 7.5245% | 1,370 |
| Net charge-offs to loans | 0.0484% | 2,512 |
| Credit loss provision to net charge-offs | 209.5420% | 1,256 |
| Earnings coverage of net charge-offs (x) | 50.2099% | 996 |
| Efficiency ratio | 49.1667% | 5,611 |
| Assets per employee ($millions) | 5.1897% | 2,092 |
| Cash dividends to net income (ytd only)* | 52.1772% | 1,868 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7205% | 1,233 |
| Loan loss allowance to noncurrent loans | 246.9644% | 1,912 |
| Noncurrent assets plus other real estate owned to assets | 0.5437% | 3,401 |
| Noncurrent loans to loans | 0.6967% | 2,990 |
| Net loans and leases to total assets | 76.7082% | 1,381 |
| Net loans and leases to deposits | 94.3232% | 1,258 |
| Net loans and leases to core deposits | 107.9598% | 1,041 |
| Total domestic deposits to total assets | 81.3249% | 4,179 |
| Equity capital to assets | 11.2648% | 2,782 |
| Core capital (leverage) ratio | 10.6887% | 2,749 |
| Tier 1 risk-based capital ratio | 12.9050% | 4,254 |
| Total risk-based capital ratio | 14.1597% | 4,166 |
| Memoranda: | ||
| Average total assets | $1,357,777,330 | 549 |
| Average earning assets | $1,267,076,670 | 540 |
| Average equity | $152,675,000 | 518 |
| Average total loans | $1,082,126,670 | 473 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1169% | 2,791 |
| Cost of funding earning assets | 0.6308% | 1,148 |
| Net interest margin | 3.4861% | 3,525 |
| Noninterest income to average assets | 0.5856% | 2,616 |
| Noninterest expense to average assets | 1.8840% | 5,545 |
| Loan and lease loss provision to assets | 0.0815% | 2,323 |
| Net operating income to assets | 1.7868% | 481 |
| Return on assets (ROA) | 1.7877% | 514 |
| Pretax return on assets | 1.8722% | 732 |
| Return on Equity (ROE) | 15.9127% | 544 |
| Retained earnings to average equity (ytd only) | 15.9127% | 195 |
| Net charge-offs to loans | 0.0666% | 1,823 |
| Credit loss provision to net charge-offs | 151.9337% | 1,263 |
| Earnings coverage of net charge-offs (x) | 36.3867% | 1,071 |
| Efficiency ratio | 48.5703% | 5,699 |
| Assets per employee ($millions) | 5.3871% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6738% | 1,418 |
| Loan loss allowance to noncurrent loans | 206.1013% | 2,185 |
| Noncurrent assets plus other real estate owned to assets | 0.6603% | 3,080 |
| Noncurrent loans to loans | 0.8121% | 2,807 |
| Net loans and leases to total assets | 78.4578% | 1,033 |
| Net loans and leases to deposits | 97.0153% | 847 |
| Net loans and leases to core deposits | 109.7058% | 867 |
| Total domestic deposits to total assets | 80.8716% | 4,533 |
| Equity capital to assets | 11.3246% | 2,600 |
| Core capital (leverage) ratio | 10.9109% | 2,485 |
| Tier 1 risk-based capital ratio | 12.7484% | 4,432 |
| Total risk-based capital ratio | 14.0026% | 4,335 |
| Memoranda: | ||
| Average total assets | $1,349,032,500 | 551 |
| Average earning assets | $1,258,135,500 | 543 |
| Average equity | $151,552,000 | 519 |
| Average total loans | $1,086,484,500 | 472 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,107 |
| Cost of funding earning assets | 0.6107% | 1,309 |
| Net interest margin | 3.4410% | 3,753 |
| Noninterest income to average assets | 0.6133% | 2,652 |
| Noninterest expense to average assets | 1.9367% | 5,567 |
| Loan and lease loss provision to assets | 0.1027% | 2,270 |
| Net operating income to assets | 1.6990% | 579 |
| Return on assets (ROA) | 1.7010% | 594 |
| Pretax return on assets | 1.7838% | 828 |
| Return on Equity (ROE) | 15.3591% | 633 |
| Retained earnings to average equity (ytd only) | 1.6869% | 4,768 |
| Net charge-offs to loans | 0.0148% | 3,998 |
| Credit loss provision to net charge-offs | 863.2258% | 393 |
| Earnings coverage of net charge-offs (x) | 158.3355% | 402 |
| Efficiency ratio | 50.1768% | 5,754 |
| Assets per employee ($millions) | 5.3190% | 1,986 |
| Cash dividends to net income (ytd only)* | 89.0168% | 631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6817% | 1,393 |
| Loan loss allowance to noncurrent loans | 470.0362% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.2921% | 4,424 |
| Noncurrent loans to loans | 0.3578% | 4,168 |
| Net loans and leases to total assets | 79.9370% | 851 |
| Net loans and leases to deposits | 98.4980% | 783 |
| Net loans and leases to core deposits | 111.1045% | 807 |
| Total domestic deposits to total assets | 81.1560% | 4,438 |
| Equity capital to assets | 11.1410% | 2,686 |
| Core capital (leverage) ratio | 10.6838% | 2,727 |
| Tier 1 risk-based capital ratio | 12.3167% | 4,753 |
| Total risk-based capital ratio | 13.5708% | 4,642 |
| Memoranda: | ||
| Average total assets | $1,302,326,200 | 554 |
| Average earning assets | $1,214,099,200 | 541 |
| Average equity | $144,227,600 | 524 |
| Average total loans | $1,046,081,400 | 459 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0357% | 3,188 |
| Cost of funding earning assets | 0.6081% | 1,356 |
| Net interest margin | 3.4276% | 3,846 |
| Noninterest income to average assets | 0.6066% | 2,703 |
| Noninterest expense to average assets | 1.9168% | 5,615 |
| Loan and lease loss provision to assets | 0.1188% | 1,918 |
| Net operating income to assets | 1.6877% | 643 |
| Return on assets (ROA) | 1.6903% | 663 |
| Pretax return on assets | 1.7723% | 944 |
| Return on Equity (ROE) | 15.2860% | 688 |
| Retained earnings to average equity (ytd only) | 0.5398% | 5,458 |
| Net charge-offs to loans | 0.0361% | 3,186 |
| Credit loss provision to net charge-offs | 410.6762% | 747 |
| Earnings coverage of net charge-offs (x) | 65.2949% | 859 |
| Efficiency ratio | 49.8810% | 5,784 |
| Assets per employee ($millions) | 5.2510% | 2,000 |
| Cash dividends to net income (ytd only)* | 96.4683% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 1,532 |
| Loan loss allowance to noncurrent loans | 431.5624% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 4,488 |
| Noncurrent loans to loans | 0.3884% | 4,224 |
| Net loans and leases to total assets | 79.2232% | 922 |
| Net loans and leases to deposits | 98.1318% | 808 |
| Net loans and leases to core deposits | 110.6030% | 843 |
| Total domestic deposits to total assets | 80.7315% | 4,535 |
| Equity capital to assets | 11.0945% | 2,909 |
| Core capital (leverage) ratio | 10.7636% | 2,755 |
| Tier 1 risk-based capital ratio | 12.2040% | 4,959 |
| Total risk-based capital ratio | 13.4579% | 4,860 |
| Memoranda: | ||
| Average total assets | $1,295,472,000 | 556 |
| Average earning assets | $1,208,914,250 | 541 |
| Average equity | $143,247,750 | 531 |
| Average total loans | $1,037,317,250 | 466 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0023% | 3,278 |
| Cost of funding earning assets | 0.6115% | 1,335 |
| Net interest margin | 3.3908% | 3,936 |
| Noninterest income to average assets | 0.5975% | 2,756 |
| Noninterest expense to average assets | 1.8990% | 5,712 |
| Loan and lease loss provision to assets | 0.1263% | 1,755 |
| Net operating income to assets | 1.6568% | 676 |
| Return on assets (ROA) | 1.6611% | 699 |
| Pretax return on assets | 1.7427% | 995 |
| Return on Equity (ROE) | 15.0331% | 724 |
| Retained earnings to average equity (ytd only) | -3.2563% | 5,936 |
| Net charge-offs to loans | 0.0095% | 3,573 |
| Credit loss provision to net charge-offs | 1,657.1429% | 222 |
| Earnings coverage of net charge-offs (x) | 244.7143% | 286 |
| Efficiency ratio | 49.9917% | 5,855 |
| Assets per employee ($millions) | 5.0144% | 2,259 |
| Cash dividends to net income (ytd only)* | 121.6606% | 299 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7019% | 1,598 |
| Loan loss allowance to noncurrent loans | 486.4695% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 0.2969% | 4,690 |
| Noncurrent loans to loans | 0.3498% | 4,442 |
| Net loans and leases to total assets | 79.6031% | 855 |
| Net loans and leases to deposits | 97.5872% | 828 |
| Net loans and leases to core deposits | 109.0395% | 891 |
| Total domestic deposits to total assets | 81.5712% | 4,425 |
| Equity capital to assets | 11.1197% | 2,753 |
| Core capital (leverage) ratio | 10.6480% | 2,791 |
| Tier 1 risk-based capital ratio | 12.3086% | 4,933 |
| Total risk-based capital ratio | 13.5629% | 4,833 |
| Memoranda: | ||
| Average total assets | $1,286,278,330 | 554 |
| Average earning assets | $1,200,969,330 | 542 |
| Average equity | $142,126,000 | 532 |
| Average total loans | $1,027,756,000 | 472 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8702% | 3,746 |
| Cost of funding earning assets | 0.6190% | 1,311 |
| Net interest margin | 3.2512% | 4,414 |
| Noninterest income to average assets | 0.5740% | 2,810 |
| Noninterest expense to average assets | 1.8455% | 5,833 |
| Loan and lease loss provision to assets | 0.1242% | 1,673 |
| Net operating income to assets | 1.5583% | 767 |
| Return on assets (ROA) | 1.5666% | 794 |
| Pretax return on assets | 1.6506% | 1,153 |
| Return on Equity (ROE) | 14.2236% | 836 |
| Retained earnings to average equity (ytd only) | -4.2871% | 5,883 |
| Net charge-offs to loans | 0.0118% | 2,955 |
| Credit loss provision to net charge-offs | 1,330.0000% | 272 |
| Earnings coverage of net charge-offs (x) | 189.1333% | 295 |
| Efficiency ratio | 50.7110% | 5,872 |
| Assets per employee ($millions) | 5.1588% | 2,164 |
| Cash dividends to net income (ytd only)* | 130.1411% | 460 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7102% | 1,711 |
| Loan loss allowance to noncurrent loans | 354.6457% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 0.3902% | 4,462 |
| Noncurrent loans to loans | 0.4822% | 4,130 |
| Net loans and leases to total assets | 76.7807% | 1,087 |
| Net loans and leases to deposits | 94.1051% | 968 |
| Net loans and leases to core deposits | 103.7731% | 1,078 |
| Total domestic deposits to total assets | 81.5903% | 4,645 |
| Equity capital to assets | 11.1294% | 2,832 |
| Core capital (leverage) ratio | 10.8576% | 2,566 |
| Tier 1 risk-based capital ratio | 12.7580% | 4,753 |
| Total risk-based capital ratio | 14.0124% | 4,665 |
| Memoranda: | ||
| Average total assets | $1,285,071,500 | 550 |
| Average earning assets | $1,200,656,500 | 540 |
| Average equity | $141,539,500 | 534 |
| Average total loans | $1,019,834,000 | 472 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 3,347 |
| Cost of funding earning assets | 0.6580% | 1,355 |
| Net interest margin | 3.4375% | 4,033 |
| Noninterest income to average assets | 0.6369% | 2,634 |
| Noninterest expense to average assets | 1.8825% | 5,960 |
| Loan and lease loss provision to assets | 0.1081% | 2,354 |
| Net operating income to assets | 1.7672% | 505 |
| Return on assets (ROA) | 1.7739% | 512 |
| Pretax return on assets | 1.8611% | 700 |
| Return on Equity (ROE) | 16.6751% | 530 |
| Retained earnings to average equity (ytd only) | 7.0447% | 1,385 |
| Net charge-offs to loans | 0.0476% | 3,874 |
| Credit loss provision to net charge-offs | 281.9127% | 901 |
| Earnings coverage of net charge-offs (x) | 51.1788% | 913 |
| Efficiency ratio | 48.5881% | 6,164 |
| Assets per employee ($millions) | 5.2055% | 2,068 |
| Cash dividends to net income (ytd only)* | 57.7533% | 1,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6597% | 1,898 |
| Loan loss allowance to noncurrent loans | 509.5324% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2865% | 4,887 |
| Noncurrent loans to loans | 0.3257% | 4,671 |
| Net loans and leases to total assets | 79.2946% | 842 |
| Net loans and leases to deposits | 98.8496% | 694 |
| Net loans and leases to core deposits | 110.0494% | 771 |
| Total domestic deposits to total assets | 80.2174% | 4,959 |
| Equity capital to assets | 10.8962% | 3,018 |
| Core capital (leverage) ratio | 10.6117% | 2,822 |
| Tier 1 risk-based capital ratio | 12.3830% | 5,100 |
| Total risk-based capital ratio | 13.6331% | 5,028 |
| Memoranda: | ||
| Average total assets | $1,254,574,400 | 537 |
| Average earning assets | $1,170,744,800 | 530 |
| Average equity | $133,462,200 | 542 |
| Average total loans | $1,010,190,200 | 453 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 3,394 |
| Cost of funding earning assets | 0.6572% | 1,409 |
| Net interest margin | 3.4390% | 4,072 |
| Noninterest income to average assets | 0.6296% | 2,690 |
| Noninterest expense to average assets | 1.8860% | 5,976 |
| Loan and lease loss provision to assets | 0.1105% | 2,202 |
| Net operating income to assets | 1.7576% | 550 |
| Return on assets (ROA) | 1.7576% | 570 |
| Pretax return on assets | 1.8433% | 810 |
| Return on Equity (ROE) | 16.6243% | 605 |
| Retained earnings to average equity (ytd only) | 7.5947% | 1,536 |
| Net charge-offs to loans | 0.0608% | 3,340 |
| Credit loss provision to net charge-offs | 225.9259% | 1,150 |
| Earnings coverage of net charge-offs (x) | 39.9306% | 1,132 |
| Efficiency ratio | 48.7382% | 6,172 |
| Assets per employee ($millions) | 5.1153% | 2,122 |
| Cash dividends to net income (ytd only)* | 54.3155% | 1,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6544% | 2,127 |
| Loan loss allowance to noncurrent loans | 452.1115% | 1,059 |
| Noncurrent assets plus other real estate owned to assets | 0.3167% | 5,008 |
| Noncurrent loans to loans | 0.3659% | 4,815 |
| Net loans and leases to total assets | 80.1992% | 699 |
| Net loans and leases to deposits | 100.0631% | 611 |
| Net loans and leases to core deposits | 111.3493% | 692 |
| Total domestic deposits to total assets | 80.1487% | 5,066 |
| Equity capital to assets | 11.0041% | 2,953 |
| Core capital (leverage) ratio | 10.6336% | 2,881 |
| Tier 1 risk-based capital ratio | 12.4518% | 5,195 |
| Total risk-based capital ratio | 13.7017% | 5,129 |
| Memoranda: | ||
| Average total assets | $1,250,685,000 | 537 |
| Average earning assets | $1,167,485,500 | 526 |
| Average equity | $132,228,750 | 548 |
| Average total loans | $1,006,701,750 | 450 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 3,485 |
| Cost of funding earning assets | 0.6646% | 1,409 |
| Net interest margin | 3.4000% | 4,172 |
| Noninterest income to average assets | 0.6104% | 2,763 |
| Noninterest expense to average assets | 1.8412% | 6,088 |
| Loan and lease loss provision to assets | 0.1147% | 2,119 |
| Net operating income to assets | 1.7411% | 540 |
| Return on assets (ROA) | 1.7411% | 568 |
| Pretax return on assets | 1.8292% | 798 |
| Return on Equity (ROE) | 16.6923% | 587 |
| Retained earnings to average equity (ytd only) | 6.8710% | 1,828 |
| Net charge-offs to loans | 0.0503% | 3,255 |
| Credit loss provision to net charge-offs | 284.5850% | 899 |
| Earnings coverage of net charge-offs (x) | 48.2134% | 931 |
| Efficiency ratio | 48.2632% | 6,279 |
| Assets per employee ($millions) | 4.8960% | 2,349 |
| Cash dividends to net income (ytd only)* | 58.8375% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6924% | 2,152 |
| Loan loss allowance to noncurrent loans | 425.0576% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 5,055 |
| Noncurrent loans to loans | 0.3982% | 4,794 |
| Net loans and leases to total assets | 77.4898% | 981 |
| Net loans and leases to deposits | 95.7575% | 817 |
| Net loans and leases to core deposits | 105.7776% | 906 |
| Total domestic deposits to total assets | 80.9230% | 5,007 |
| Equity capital to assets | 10.6870% | 3,212 |
| Core capital (leverage) ratio | 10.2060% | 3,328 |
| Tier 1 risk-based capital ratio | 12.5661% | 5,181 |
| Total risk-based capital ratio | 13.8161% | 5,112 |
| Memoranda: | ||
| Average total assets | $1,254,947,670 | 537 |
| Average earning assets | $1,171,808,330 | 524 |
| Average equity | $130,898,330 | 556 |
| Average total loans | $1,005,774,000 | 449 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0415% | 3,515 |
| Cost of funding earning assets | 0.6761% | 1,400 |
| Net interest margin | 3.3655% | 4,271 |
| Noninterest income to average assets | 0.5943% | 2,770 |
| Noninterest expense to average assets | 1.7981% | 6,223 |
| Loan and lease loss provision to assets | 0.1266% | 1,921 |
| Net operating income to assets | 1.7226% | 550 |
| Return on assets (ROA) | 1.7226% | 571 |
| Pretax return on assets | 1.8143% | 784 |
| Return on Equity (ROE) | 16.7179% | 563 |
| Retained earnings to average equity (ytd only) | 16.7179% | 232 |
| Net charge-offs to loans | 0.0373% | 2,862 |
| Credit loss provision to net charge-offs | 420.0000% | 632 |
| Earnings coverage of net charge-offs (x) | 64.3895% | 625 |
| Efficiency ratio | 47.7088% | 6,369 |
| Assets per employee ($millions) | 5.3625% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6424% | 2,540 |
| Loan loss allowance to noncurrent loans | 430.8156% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 5,207 |
| Noncurrent loans to loans | 0.3812% | 4,980 |
| Net loans and leases to total assets | 77.0814% | 874 |
| Net loans and leases to deposits | 95.1480% | 705 |
| Net loans and leases to core deposits | 104.8056% | 808 |
| Total domestic deposits to total assets | 81.0122% | 5,234 |
| Equity capital to assets | 10.4374% | 3,313 |
| Core capital (leverage) ratio | 10.2305% | 3,249 |
| Tier 1 risk-based capital ratio | 12.4701% | 5,335 |
| Total risk-based capital ratio | 13.7201% | 5,272 |
| Memoranda: | ||
| Average total assets | $1,260,631,500 | 538 |
| Average earning assets | $1,177,966,000 | 523 |
| Average equity | $129,896,500 | 559 |
| Average total loans | $1,018,542,000 | 444 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2280% | 3,235 |
| Cost of funding earning assets | 0.7978% | 1,223 |
| Net interest margin | 3.4302% | 4,166 |
| Noninterest income to average assets | 0.6400% | 2,865 |
| Noninterest expense to average assets | 1.9510% | 6,104 |
| Loan and lease loss provision to assets | 0.1379% | 2,581 |
| Net operating income to assets | 1.6578% | 623 |
| Return on assets (ROA) | 1.6705% | 629 |
| Pretax return on assets | 1.7584% | 838 |
| Return on Equity (ROE) | 16.3342% | 583 |
| Retained earnings to average equity (ytd only) | 5.8196% | 2,085 |
| Net charge-offs to loans | 0.0706% | 4,222 |
| Credit loss provision to net charge-offs | 239.2908% | 960 |
| Earnings coverage of net charge-offs (x) | 32.6752% | 1,099 |
| Efficiency ratio | 50.4776% | 6,382 |
| Assets per employee ($millions) | 5.2531% | 1,900 |
| Cash dividends to net income (ytd only)* | 64.3717% | 1,569 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5550% | 2,943 |
| Loan loss allowance to noncurrent loans | 323.4952% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.4144% | 5,009 |
| Noncurrent loans to loans | 0.4807% | 4,793 |
| Net loans and leases to total assets | 81.9898% | 418 |
| Net loans and leases to deposits | 101.9160% | 405 |
| Net loans and leases to core deposits | 112.2139% | 530 |
| Total domestic deposits to total assets | 80.4484% | 5,332 |
| Equity capital to assets | 10.1674% | 3,547 |
| Core capital (leverage) ratio | 10.0051% | 3,565 |
| Tier 1 risk-based capital ratio | 11.4749% | 5,918 |
| Total risk-based capital ratio | 12.7250% | 5,860 |
| Memoranda: | ||
| Average total assets | $1,223,367,200 | 536 |
| Average earning assets | $1,139,109,800 | 522 |
| Average equity | $125,112,000 | 566 |
| Average total loans | $998,447,200 | 431 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 3,331 |
| Cost of funding earning assets | 0.8205% | 1,209 |
| Net interest margin | 3.3947% | 4,313 |
| Noninterest income to average assets | 0.6234% | 3,021 |
| Noninterest expense to average assets | 1.9167% | 6,157 |
| Loan and lease loss provision to assets | 0.1442% | 2,482 |
| Net operating income to assets | 1.6391% | 700 |
| Return on assets (ROA) | 1.6518% | 715 |
| Pretax return on assets | 1.7370% | 1,021 |
| Return on Equity (ROE) | 16.1275% | 634 |
| Retained earnings to average equity (ytd only) | 5.5857% | 2,672 |
| Net charge-offs to loans | 0.0964% | 3,594 |
| Credit loss provision to net charge-offs | 184.1958% | 1,312 |
| Earnings coverage of net charge-offs (x) | 23.8629% | 1,452 |
| Efficiency ratio | 50.2271% | 6,384 |
| Assets per employee ($millions) | 5.1173% | 2,033 |
| Cash dividends to net income (ytd only)* | 65.3655% | 1,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5593% | 3,188 |
| Loan loss allowance to noncurrent loans | 290.6758% | 1,415 |
| Noncurrent assets plus other real estate owned to assets | 0.4650% | 5,038 |
| Noncurrent loans to loans | 0.5364% | 4,853 |
| Net loans and leases to total assets | 81.9489% | 374 |
| Net loans and leases to deposits | 102.6650% | 341 |
| Net loans and leases to core deposits | 112.2035% | 500 |
| Total domestic deposits to total assets | 79.8217% | 5,554 |
| Equity capital to assets | 10.3599% | 3,436 |
| Core capital (leverage) ratio | 10.1186% | 3,502 |
| Tier 1 risk-based capital ratio | 11.6993% | 5,945 |
| Total risk-based capital ratio | 12.9493% | 5,910 |
| Memoranda: | ||
| Average total assets | $1,217,963,250 | 535 |
| Average earning assets | $1,134,136,000 | 524 |
| Average equity | $124,744,250 | 574 |
| Average total loans | $988,838,500 | 431 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 3,484 |
| Cost of funding earning assets | 0.8467% | 1,153 |
| Net interest margin | 3.3202% | 4,485 |
| Noninterest income to average assets | 0.6239% | 3,055 |
| Noninterest expense to average assets | 1.9359% | 6,160 |
| Loan and lease loss provision to assets | 0.1556% | 2,371 |
| Net operating income to assets | 1.5440% | 828 |
| Return on assets (ROA) | 1.5630% | 871 |
| Pretax return on assets | 1.6460% | 1,240 |
| Return on Equity (ROE) | 15.3193% | 755 |
| Retained earnings to average equity (ytd only) | 3.4538% | 4,122 |
| Net charge-offs to loans | 0.1165% | 3,200 |
| Credit loss provision to net charge-offs | 165.9091% | 1,425 |
| Earnings coverage of net charge-offs (x) | 18.9948% | 1,527 |
| Efficiency ratio | 51.6519% | 6,305 |
| Assets per employee ($millions) | 4.8101% | 2,357 |
| Cash dividends to net income (ytd only)* | 77.4549% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5894% | 3,191 |
| Loan loss allowance to noncurrent loans | 305.4123% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4353% | 5,185 |
| Noncurrent loans to loans | 0.5204% | 4,964 |
| Net loans and leases to total assets | 79.9029% | 548 |
| Net loans and leases to deposits | 99.4371% | 458 |
| Net loans and leases to core deposits | 108.9607% | 605 |
| Total domestic deposits to total assets | 80.3552% | 5,524 |
| Equity capital to assets | 10.2235% | 3,635 |
| Core capital (leverage) ratio | 9.7634% | 3,846 |
| Tier 1 risk-based capital ratio | 11.8503% | 5,881 |
| Total risk-based capital ratio | 13.1003% | 5,836 |
| Memoranda: | ||
| Average total assets | $1,219,682,330 | 538 |
| Average earning assets | $1,136,422,330 | 523 |
| Average equity | $124,444,000 | 578 |
| Average total loans | $981,910,000 | 432 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1246% | 3,624 |
| Cost of funding earning assets | 0.8732% | 1,127 |
| Net interest margin | 3.2514% | 4,728 |
| Noninterest income to average assets | 0.6318% | 2,967 |
| Noninterest expense to average assets | 1.8784% | 6,313 |
| Loan and lease loss provision to assets | 0.1612% | 2,260 |
| Net operating income to assets | 1.5283% | 806 |
| Return on assets (ROA) | 1.5283% | 880 |
| Pretax return on assets | 1.6153% | 1,269 |
| Return on Equity (ROE) | 14.9940% | 770 |
| Retained earnings to average equity (ytd only) | 13.3550% | 513 |
| Net charge-offs to loans | 0.0195% | 3,768 |
| Credit loss provision to net charge-offs | 1,031.2500% | 305 |
| Earnings coverage of net charge-offs (x) | 113.6458% | 343 |
| Efficiency ratio | 50.9668% | 6,442 |
| Assets per employee ($millions) | 5.1874% | 1,992 |
| Cash dividends to net income (ytd only)* | 10.9312% | 2,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6169% | 3,327 |
| Loan loss allowance to noncurrent loans | 297.4809% | 1,332 |
| Noncurrent assets plus other real estate owned to assets | 0.4311% | 5,312 |
| Noncurrent loans to loans | 0.5435% | 5,086 |
| Net loans and leases to total assets | 76.5020% | 778 |
| Net loans and leases to deposits | 95.1681% | 593 |
| Net loans and leases to core deposits | 103.7719% | 731 |
| Total domestic deposits to total assets | 80.3862% | 5,668 |
| Equity capital to assets | 10.2596% | 3,848 |
| Core capital (leverage) ratio | 9.8029% | 3,658 |
| Tier 1 risk-based capital ratio | 12.3739% | 5,659 |
| Total risk-based capital ratio | 13.6236% | 5,610 |
| Memoranda: | ||
| Average total assets | $1,228,265,500 | 537 |
| Average earning assets | $1,142,023,500 | 526 |
| Average equity | $125,196,500 | 586 |
| Average total loans | $984,683,500 | 433 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5775% | 3,087 |
| Cost of funding earning assets | 1.0662% | 1,047 |
| Net interest margin | 3.5113% | 4,452 |
| Noninterest income to average assets | 0.6603% | 2,937 |
| Noninterest expense to average assets | 1.8656% | 6,533 |
| Loan and lease loss provision to assets | 0.1961% | 3,181 |
| Net operating income to assets | 1.7591% | 549 |
| Return on assets (ROA) | 1.7801% | 593 |
| Pretax return on assets | 1.8709% | 794 |
| Return on Equity (ROE) | 17.6159% | 474 |
| Retained earnings to average equity (ytd only) | 7.4867% | 1,345 |
| Net charge-offs to loans | 0.0765% | 4,911 |
| Credit loss provision to net charge-offs | 316.2347% | 768 |
| Earnings coverage of net charge-offs (x) | 32.9809% | 944 |
| Efficiency ratio | 47.2778% | 6,742 |
| Assets per employee ($millions) | 5.0698% | 2,143 |
| Cash dividends to net income (ytd only)* | 57.5006% | 1,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5061% | 3,722 |
| Loan loss allowance to noncurrent loans | 256.4533% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.4970% | 5,231 |
| Noncurrent loans to loans | 0.5873% | 5,064 |
| Net loans and leases to total assets | 81.3791% | 370 |
| Net loans and leases to deposits | 101.3691% | 360 |
| Net loans and leases to core deposits | 110.7465% | 515 |
| Total domestic deposits to total assets | 80.2800% | 5,593 |
| Equity capital to assets | 10.1250% | 4,006 |
| Core capital (leverage) ratio | 9.6957% | 3,812 |
| Tier 1 risk-based capital ratio | 11.3642% | 6,182 |
| Total risk-based capital ratio | 12.6142% | 6,155 |
| Memoranda: | ||
| Average total assets | $1,182,228,600 | 555 |
| Average earning assets | $1,094,310,000 | 539 |
| Average equity | $119,465,600 | 604 |
| Average total loans | $957,977,200 | 433 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6086% | 3,169 |
| Cost of funding earning assets | 1.1072% | 1,035 |
| Net interest margin | 3.5014% | 4,640 |
| Noninterest income to average assets | 0.6331% | 3,087 |
| Noninterest expense to average assets | 1.8131% | 6,667 |
| Loan and lease loss provision to assets | 0.1972% | 3,112 |
| Net operating income to assets | 1.7786% | 594 |
| Return on assets (ROA) | 1.8001% | 638 |
| Pretax return on assets | 1.8907% | 889 |
| Return on Equity (ROE) | 17.8230% | 521 |
| Retained earnings to average equity (ytd only) | 7.9998% | 1,617 |
| Net charge-offs to loans | 0.0785% | 4,613 |
| Credit loss provision to net charge-offs | 311.6697% | 863 |
| Earnings coverage of net charge-offs (x) | 32.6373% | 1,020 |
| Efficiency ratio | 46.3120% | 6,805 |
| Assets per employee ($millions) | 5.0624% | 2,104 |
| Cash dividends to net income (ytd only)* | 55.1152% | 1,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5297% | 3,819 |
| Loan loss allowance to noncurrent loans | 292.8259% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4583% | 5,518 |
| Noncurrent loans to loans | 0.5224% | 5,398 |
| Net loans and leases to total assets | 79.3953% | 560 |
| Net loans and leases to deposits | 98.8111% | 504 |
| Net loans and leases to core deposits | 106.7433% | 705 |
| Total domestic deposits to total assets | 80.3506% | 5,563 |
| Equity capital to assets | 10.1586% | 4,261 |
| Core capital (leverage) ratio | 9.6702% | 4,011 |
| Tier 1 risk-based capital ratio | 11.7056% | 6,110 |
| Total risk-based capital ratio | 12.9555% | 6,095 |
| Memoranda: | ||
| Average total assets | $1,173,599,000 | 565 |
| Average earning assets | $1,087,730,250 | 552 |
| Average equity | $118,533,000 | 608 |
| Average total loans | $946,141,750 | 437 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 3,337 |
| Cost of funding earning assets | 1.1539% | 1,011 |
| Net interest margin | 3.4509% | 4,875 |
| Noninterest income to average assets | 0.6323% | 3,061 |
| Noninterest expense to average assets | 1.8842% | 6,630 |
| Loan and lease loss provision to assets | 0.1977% | 3,107 |
| Net operating income to assets | 1.6645% | 728 |
| Return on assets (ROA) | 1.6970% | 760 |
| Pretax return on assets | 1.7906% | 1,062 |
| Return on Equity (ROE) | 16.8350% | 661 |
| Retained earnings to average equity (ytd only) | 8.5468% | 1,435 |
| Net charge-offs to loans | 0.0991% | 4,177 |
| Credit loss provision to net charge-offs | 247.4249% | 1,167 |
| Earnings coverage of net charge-offs (x) | 24.4592% | 1,218 |
| Efficiency ratio | 48.6466% | 6,733 |
| Assets per employee ($millions) | 4.8245% | 2,395 |
| Cash dividends to net income (ytd only)* | 49.2322% | 1,778 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4929% | 4,039 |
| Loan loss allowance to noncurrent loans | 216.1305% | 1,591 |
| Noncurrent assets plus other real estate owned to assets | 0.6877% | 5,057 |
| Noncurrent loans to loans | 0.6908% | 5,122 |
| Net loans and leases to total assets | 80.1618% | 486 |
| Net loans and leases to deposits | 99.6180% | 437 |
| Net loans and leases to core deposits | 107.7786% | 672 |
| Total domestic deposits to total assets | 80.4693% | 5,622 |
| Equity capital to assets | 10.1776% | 4,082 |
| Core capital (leverage) ratio | 9.6071% | 3,987 |
| Tier 1 risk-based capital ratio | 11.7041% | 6,104 |
| Total risk-based capital ratio | 12.9541% | 6,090 |
| Memoranda: | ||
| Average total assets | $1,166,560,000 | 567 |
| Average earning assets | $1,083,777,330 | 555 |
| Average equity | $117,588,330 | 610 |
| Average total loans | $940,428,000 | 443 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6253% | 3,381 |
| Cost of funding earning assets | 1.2214% | 888 |
| Net interest margin | 3.4039% | 5,108 |
| Noninterest income to average assets | 0.6552% | 2,898 |
| Noninterest expense to average assets | 1.8486% | 6,742 |
| Loan and lease loss provision to assets | 0.1980% | 2,964 |
| Net operating income to assets | 1.6763% | 754 |
| Return on assets (ROA) | 1.7070% | 788 |
| Pretax return on assets | 1.8022% | 1,067 |
| Return on Equity (ROE) | 17.0180% | 668 |
| Retained earnings to average equity (ytd only) | 17.0180% | 305 |
| Net charge-offs to loans | 0.0853% | 3,656 |
| Credit loss provision to net charge-offs | 289.4472% | 1,020 |
| Earnings coverage of net charge-offs (x) | 28.7688% | 955 |
| Efficiency ratio | 47.9870% | 6,806 |
| Assets per employee ($millions) | 5.1258% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 4,156 |
| Loan loss allowance to noncurrent loans | 227.7006% | 1,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6329% | 5,302 |
| Noncurrent loans to loans | 0.6585% | 5,328 |
| Net loans and leases to total assets | 77.9819% | 591 |
| Net loans and leases to deposits | 96.9723% | 482 |
| Net loans and leases to core deposits | 104.9045% | 721 |
| Total domestic deposits to total assets | 80.4166% | 5,748 |
| Equity capital to assets | 10.1479% | 3,921 |
| Core capital (leverage) ratio | 9.6554% | 3,838 |
| Tier 1 risk-based capital ratio | 12.0333% | 5,936 |
| Total risk-based capital ratio | 13.2833% | 5,930 |
| Memoranda: | ||
| Average total assets | $1,163,661,500 | 570 |
| Average earning assets | $1,080,759,000 | 558 |
| Average equity | $116,723,500 | 613 |
| Average total loans | $933,629,000 | 446 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0418% | 2,696 |
| Cost of funding earning assets | 1.4032% | 1,023 |
| Net interest margin | 3.6386% | 4,576 |
| Noninterest income to average assets | 0.6662% | 2,800 |
| Noninterest expense to average assets | 1.8377% | 6,915 |
| Loan and lease loss provision to assets | 0.2434% | 3,772 |
| Net operating income to assets | 1.8722% | 404 |
| Return on assets (ROA) | 1.8722% | 442 |
| Pretax return on assets | 1.9592% | 577 |
| Return on Equity (ROE) | 19.4504% | 289 |
| Retained earnings to average equity (ytd only) | 10.1134% | 537 |
| Net charge-offs to loans | 0.1079% | 5,281 |
| Credit loss provision to net charge-offs | 279.2720% | 850 |
| Earnings coverage of net charge-offs (x) | 25.2690% | 977 |
| Efficiency ratio | 45.0504% | 7,088 |
| Assets per employee ($millions) | 5.0816% | 2,091 |
| Cash dividends to net income (ytd only)* | 48.0040% | 2,167 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 4,265 |
| Loan loss allowance to noncurrent loans | 204.2181% | 1,614 |
| Noncurrent assets plus other real estate owned to assets | 0.6571% | 5,343 |
| Noncurrent loans to loans | 0.7077% | 5,280 |
| Net loans and leases to total assets | 80.1386% | 479 |
| Net loans and leases to deposits | 102.0339% | 376 |
| Net loans and leases to core deposits | 110.8460% | 594 |
| Total domestic deposits to total assets | 78.5412% | 6,088 |
| Equity capital to assets | 9.9115% | 4,288 |
| Core capital (leverage) ratio | 9.3040% | 4,323 |
| Tier 1 risk-based capital ratio | 11.3388% | 6,263 |
| Total risk-based capital ratio | 12.5888% | 6,252 |
| Memoranda: | ||
| Average total assets | $1,134,617,400 | 577 |
| Average earning assets | $1,052,148,000 | 555 |
| Average equity | $109,211,400 | 634 |
| Average total loans | $916,368,000 | 460 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0816% | 2,700 |
| Cost of funding earning assets | 1.4306% | 1,106 |
| Net interest margin | 3.6510% | 4,558 |
| Noninterest income to average assets | 0.6701% | 2,772 |
| Noninterest expense to average assets | 1.8340% | 6,945 |
| Loan and lease loss provision to assets | 0.2438% | 3,568 |
| Net operating income to assets | 1.8870% | 438 |
| Return on assets (ROA) | 1.8870% | 475 |
| Pretax return on assets | 1.9810% | 649 |
| Return on Equity (ROE) | 19.7540% | 328 |
| Retained earnings to average equity (ytd only) | 10.4434% | 739 |
| Net charge-offs to loans | 0.0981% | 5,007 |
| Credit loss provision to net charge-offs | 308.3582% | 922 |
| Earnings coverage of net charge-offs (x) | 28.1403% | 971 |
| Efficiency ratio | 44.7552% | 7,117 |
| Assets per employee ($millions) | 5.0775% | 2,097 |
| Cash dividends to net income (ytd only)* | 47.1328% | 1,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4205% | 4,466 |
| Loan loss allowance to noncurrent loans | 178.6499% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 0.7542% | 5,271 |
| Noncurrent loans to loans | 0.7951% | 5,285 |
| Net loans and leases to total assets | 80.0562% | 509 |
| Net loans and leases to deposits | 103.2753% | 340 |
| Net loans and leases to core deposits | 112.3261% | 597 |
| Total domestic deposits to total assets | 77.5172% | 6,292 |
| Equity capital to assets | 9.7851% | 4,646 |
| Core capital (leverage) ratio | 9.1589% | 4,695 |
| Tier 1 risk-based capital ratio | 11.2662% | 6,391 |
| Total risk-based capital ratio | 12.5160% | 6,371 |
| Memoranda: | ||
| Average total assets | $1,129,891,750 | 588 |
| Average earning assets | $1,048,697,750 | 565 |
| Average equity | $107,931,500 | 646 |
| Average total loans | $910,967,250 | 463 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0810% | 2,767 |
| Cost of funding earning assets | 1.4491% | 1,197 |
| Net interest margin | 3.6320% | 4,593 |
| Noninterest income to average assets | 0.6526% | 2,817 |
| Noninterest expense to average assets | 1.8706% | 6,984 |
| Loan and lease loss provision to assets | 0.2434% | 3,471 |
| Net operating income to assets | 1.8202% | 481 |
| Return on assets (ROA) | 1.8202% | 512 |
| Pretax return on assets | 1.9135% | 686 |
| Return on Equity (ROE) | 19.2132% | 366 |
| Retained earnings to average equity (ytd only) | 11.7923% | 550 |
| Net charge-offs to loans | 0.1272% | 4,460 |
| Credit loss provision to net charge-offs | 237.8472% | 1,270 |
| Earnings coverage of net charge-offs (x) | 21.0764% | 1,165 |
| Efficiency ratio | 46.0144% | 7,157 |
| Assets per employee ($millions) | 4.9310% | 2,225 |
| Cash dividends to net income (ytd only)* | 38.6237% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3965% | 4,591 |
| Loan loss allowance to noncurrent loans | 129.5529% | 2,274 |
| Noncurrent assets plus other real estate owned to assets | 0.8963% | 5,076 |
| Noncurrent loans to loans | 1.0779% | 4,866 |
| Net loans and leases to total assets | 78.3007% | 738 |
| Net loans and leases to deposits | 101.5258% | 421 |
| Net loans and leases to core deposits | 113.1167% | 612 |
| Total domestic deposits to total assets | 77.1239% | 6,432 |
| Equity capital to assets | 9.6682% | 4,576 |
| Core capital (leverage) ratio | 9.0098% | 4,706 |
| Tier 1 risk-based capital ratio | 11.4445% | 6,210 |
| Total risk-based capital ratio | 12.6944% | 6,201 |
| Memoranda: | ||
| Average total assets | $1,125,709,330 | 595 |
| Average earning assets | $1,046,046,670 | 576 |
| Average equity | $106,645,670 | 654 |
| Average total loans | $905,365,670 | 472 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 2,737 |
| Cost of funding earning assets | 1.4698% | 1,298 |
| Net interest margin | 3.6091% | 4,532 |
| Noninterest income to average assets | 0.6299% | 2,962 |
| Noninterest expense to average assets | 1.9082% | 6,975 |
| Loan and lease loss provision to assets | 0.2429% | 3,240 |
| Net operating income to assets | 1.7384% | 546 |
| Return on assets (ROA) | 1.7384% | 574 |
| Pretax return on assets | 1.8322% | 770 |
| Return on Equity (ROE) | 18.5422% | 436 |
| Retained earnings to average equity (ytd only) | 18.5422% | 218 |
| Net charge-offs to loans | 0.1185% | 3,820 |
| Credit loss provision to net charge-offs | 253.1599% | 1,231 |
| Earnings coverage of net charge-offs (x) | 21.6283% | 1,077 |
| Efficiency ratio | 47.4660% | 7,136 |
| Assets per employee ($millions) | 5.2372% | 1,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3406% | 4,940 |
| Loan loss allowance to noncurrent loans | 110.1925% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 1.0358% | 4,842 |
| Noncurrent loans to loans | 1.2166% | 4,649 |
| Net loans and leases to total assets | 79.3364% | 587 |
| Net loans and leases to deposits | 103.0250% | 345 |
| Net loans and leases to core deposits | 115.0433% | 562 |
| Total domestic deposits to total assets | 77.0069% | 6,539 |
| Equity capital to assets | 9.5065% | 4,426 |
| Core capital (leverage) ratio | 8.9336% | 4,720 |
| Tier 1 risk-based capital ratio | 11.3057% | 6,251 |
| Total risk-based capital ratio | 12.5558% | 6,233 |
| Memoranda: | ||
| Average total assets | $1,121,504,500 | 602 |
| Average earning assets | $1,042,032,500 | 582 |
| Average equity | $105,144,000 | 659 |
| Average total loans | $907,748,500 | 478 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3713% | 2,805 |
| Cost of funding earning assets | 1.6385% | 1,873 |
| Net interest margin | 3.7328% | 4,218 |
| Noninterest income to average assets | 0.6802% | 2,963 |
| Noninterest expense to average assets | 1.9302% | 7,114 |
| Loan and lease loss provision to assets | 0.4058% | 3,679 |
| Net operating income to assets | 1.5487% | 694 |
| Return on assets (ROA) | 1.5487% | 754 |
| Pretax return on assets | 1.8051% | 753 |
| Return on Equity (ROE) | 16.5326% | 522 |
| Retained earnings to average equity (ytd only) | -0.0374% | 5,597 |
| Net charge-offs to loans | 0.2125% | 5,017 |
| Credit loss provision to net charge-offs | 237.1983% | 1,230 |
| Earnings coverage of net charge-offs (x) | 12.9239% | 1,459 |
| Efficiency ratio | 46.2450% | 7,341 |
| Assets per employee ($millions) | 5.1234% | 1,984 |
| Cash dividends to net income (ytd only)* | 100.2260% | 373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3008% | 4,998 |
| Loan loss allowance to noncurrent loans | 100.5375% | 2,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1050% | 4,802 |
| Noncurrent loans to loans | 1.2939% | 4,551 |
| Net loans and leases to total assets | 80.4154% | 611 |
| Net loans and leases to deposits | 105.4314% | 345 |
| Net loans and leases to core deposits | 118.2317% | 581 |
| Total domestic deposits to total assets | 76.2727% | 6,604 |
| Equity capital to assets | 9.2417% | 4,769 |
| Core capital (leverage) ratio | 8.6867% | 5,042 |
| Tier 1 risk-based capital ratio | 10.7223% | 6,554 |
| Total risk-based capital ratio | 11.9732% | 6,520 |
| Memoranda: | ||
| Average total assets | $1,114,169,000 | 594 |
| Average earning assets | $1,033,013,000 | 581 |
| Average equity | $104,369,800 | 651 |
| Average total loans | $897,089,400 | 502 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3904% | 2,929 |
| Cost of funding earning assets | 1.6529% | 2,089 |
| Net interest margin | 3.7375% | 4,241 |
| Noninterest income to average assets | 0.7683% | 2,396 |
| Noninterest expense to average assets | 1.9049% | 7,203 |
| Loan and lease loss provision to assets | 0.2112% | 4,954 |
| Net operating income to assets | 2.0075% | 334 |
| Return on assets (ROA) | 2.0075% | 364 |
| Pretax return on assets | 2.1128% | 490 |
| Return on Equity (ROE) | 22.2615% | 189 |
| Retained earnings to average equity (ytd only) | 4.6976% | 3,197 |
| Net charge-offs to loans | 0.3056% | 4,137 |
| Credit loss provision to net charge-offs | 87.1762% | 4,883 |
| Earnings coverage of net charge-offs (x) | 9.5932% | 2,003 |
| Efficiency ratio | 44.6184% | 7,445 |
| Assets per employee ($millions) | 5.0080% | 2,170 |
| Cash dividends to net income (ytd only)* | 78.8980% | 679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0400% | 6,219 |
| Loan loss allowance to noncurrent loans | 174.4434% | 1,646 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 6,000 |
| Noncurrent loans to loans | 0.5962% | 6,019 |
| Net loans and leases to total assets | 79.6216% | 800 |
| Net loans and leases to deposits | 106.2332% | 354 |
| Net loans and leases to core deposits | 123.8090% | 503 |
| Total domestic deposits to total assets | 74.9498% | 6,805 |
| Equity capital to assets | 9.0079% | 5,569 |
| Core capital (leverage) ratio | 8.3154% | 5,843 |
| Tier 1 risk-based capital ratio | 10.4071% | 6,830 |
| Total risk-based capital ratio | 11.4609% | 6,930 |
| Memoranda: | ||
| Average total assets | $849,792,000 | 795 |
| Average earning assets | $786,810,750 | 777 |
| Average equity | $76,632,750 | 862 |
| Average total loans | $673,590,250 | 649 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 3,107 |
| Cost of funding earning assets | 1.6738% | 2,269 |
| Net interest margin | 3.6963% | 4,378 |
| Noninterest income to average assets | 0.7168% | 2,606 |
| Noninterest expense to average assets | 1.8810% | 7,291 |
| Loan and lease loss provision to assets | 0.2111% | 4,768 |
| Net operating income to assets | 1.9505% | 361 |
| Return on assets (ROA) | 1.9505% | 398 |
| Pretax return on assets | 2.0534% | 545 |
| Return on Equity (ROE) | 21.6215% | 228 |
| Retained earnings to average equity (ytd only) | 3.7530% | 3,706 |
| Net charge-offs to loans | 0.2479% | 4,107 |
| Credit loss provision to net charge-offs | 107.9807% | 3,773 |
| Earnings coverage of net charge-offs (x) | 11.5816% | 1,756 |
| Efficiency ratio | 44.9413% | 7,485 |
| Assets per employee ($millions) | 4.8249% | 2,413 |
| Cash dividends to net income (ytd only)* | 82.6424% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0986% | 5,944 |
| Loan loss allowance to noncurrent loans | 180.3959% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.5231% | 6,158 |
| Noncurrent loans to loans | 0.6090% | 6,026 |
| Net loans and leases to total assets | 78.7655% | 1,000 |
| Net loans and leases to deposits | 104.7121% | 452 |
| Net loans and leases to core deposits | 121.1600% | 660 |
| Total domestic deposits to total assets | 75.2210% | 6,822 |
| Equity capital to assets | 8.9491% | 5,522 |
| Core capital (leverage) ratio | 8.2457% | 5,862 |
| Tier 1 risk-based capital ratio | 10.4791% | 6,703 |
| Total risk-based capital ratio | 11.5996% | 6,782 |
| Memoranda: | ||
| Average total assets | $845,928,670 | 799 |
| Average earning assets | $784,681,000 | 780 |
| Average equity | $76,313,000 | 863 |
| Average total loans | $667,102,330 | 656 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3139% | 3,478 |
| Cost of funding earning assets | 1.7123% | 2,327 |
| Net interest margin | 3.6016% | 4,722 |
| Noninterest income to average assets | 0.7279% | 2,416 |
| Noninterest expense to average assets | 1.8924% | 7,342 |
| Loan and lease loss provision to assets | 0.2110% | 4,399 |
| Net operating income to assets | 1.8592% | 437 |
| Return on assets (ROA) | 1.8592% | 481 |
| Pretax return on assets | 1.9594% | 654 |
| Return on Equity (ROE) | 20.5255% | 353 |
| Retained earnings to average equity (ytd only) | 15.2800% | 389 |
| Net charge-offs to loans | 0.1683% | 3,914 |
| Credit loss provision to net charge-offs | 159.7122% | 2,254 |
| Earnings coverage of net charge-offs (x) | 16.4317% | 1,328 |
| Efficiency ratio | 46.1350% | 7,548 |
| Assets per employee ($millions) | 5.2909% | 1,873 |
| Cash dividends to net income (ytd only)* | 25.5558% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1389% | 5,825 |
| Loan loss allowance to noncurrent loans | 170.3870% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.5675% | 6,086 |
| Noncurrent loans to loans | 0.6684% | 5,990 |
| Net loans and leases to total assets | 77.1591% | 1,300 |
| Net loans and leases to deposits | 102.7180% | 608 |
| Net loans and leases to core deposits | 118.7154% | 840 |
| Total domestic deposits to total assets | 75.1174% | 6,889 |
| Equity capital to assets | 9.1223% | 5,104 |
| Core capital (leverage) ratio | 8.5096% | 5,354 |
| Tier 1 risk-based capital ratio | 10.9169% | 6,235 |
| Total risk-based capital ratio | 12.0759% | 6,299 |
| Memoranda: | ||
| Average total assets | $841,890,000 | 820 |
| Average earning assets | $779,538,000 | 803 |
| Average equity | $76,256,500 | 868 |
| Average total loans | $660,586,500 | 683 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7944% | 2,680 |
| Cost of funding earning assets | 2.1136% | 2,394 |
| Net interest margin | 3.6808% | 4,215 |
| Noninterest income to average assets | 0.7252% | 2,818 |
| Noninterest expense to average assets | 1.9315% | 7,453 |
| Loan and lease loss provision to assets | 0.2880% | 5,127 |
| Net operating income to assets | 1.8210% | 344 |
| Return on assets (ROA) | 1.8249% | 347 |
| Pretax return on assets | 1.9153% | 494 |
| Return on Equity (ROE) | 20.3591% | 233 |
| Retained earnings to average equity (ytd only) | 6.6786% | 1,082 |
| Net charge-offs to loans | 0.2175% | 5,264 |
| Credit loss provision to net charge-offs | 163.8596% | 2,670 |
| Earnings coverage of net charge-offs (x) | 12.5130% | 1,504 |
| Efficiency ratio | 46.3006% | 7,697 |
| Assets per employee ($millions) | 5.1997% | 1,949 |
| Cash dividends to net income (ytd only)* | 67.1961% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 5,757 |
| Loan loss allowance to noncurrent loans | 243.2983% | 1,231 |
| Noncurrent assets plus other real estate owned to assets | 0.5405% | 6,097 |
| Noncurrent loans to loans | 0.4638% | 6,335 |
| Net loans and leases to total assets | 78.0011% | 1,382 |
| Net loans and leases to deposits | 102.0005% | 755 |
| Net loans and leases to core deposits | 135.1799% | 996 |
| Total domestic deposits to total assets | 76.4713% | 6,594 |
| Equity capital to assets | 8.9918% | 5,161 |
| Core capital (leverage) ratio | 8.2455% | 5,734 |
| Tier 1 risk-based capital ratio | 10.5003% | 6,399 |
| Total risk-based capital ratio | 11.6376% | 6,480 |
| Memoranda: | ||
| Average total assets | $810,819,800 | 841 |
| Average earning assets | $750,171,800 | 830 |
| Average equity | $72,680,200 | 897 |
| Average total loans | $655,194,000 | 711 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8275% | 2,767 |
| Cost of funding earning assets | 2.1730% | 2,538 |
| Net interest margin | 3.6545% | 4,258 |
| Noninterest income to average assets | 0.7097% | 2,952 |
| Noninterest expense to average assets | 1.9735% | 7,433 |
| Loan and lease loss provision to assets | 0.2660% | 4,836 |
| Net operating income to assets | 1.7612% | 493 |
| Return on assets (ROA) | 1.7639% | 516 |
| Pretax return on assets | 1.8602% | 715 |
| Return on Equity (ROE) | 19.6941% | 330 |
| Retained earnings to average equity (ytd only) | 4.3797% | 2,827 |
| Net charge-offs to loans | 0.2502% | 4,488 |
| Credit loss provision to net charge-offs | 130.7567% | 3,825 |
| Earnings coverage of net charge-offs (x) | 10.4385% | 1,964 |
| Efficiency ratio | 47.7052% | 7,676 |
| Assets per employee ($millions) | 5.1588% | 1,956 |
| Cash dividends to net income (ytd only)* | 77.7611% | 1,020 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 6,023 |
| Loan loss allowance to noncurrent loans | 143.0891% | 1,983 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 5,905 |
| Noncurrent loans to loans | 0.7319% | 5,845 |
| Net loans and leases to total assets | 78.2020% | 1,529 |
| Net loans and leases to deposits | 102.8533% | 857 |
| Net loans and leases to core deposits | 139.8410% | 925 |
| Total domestic deposits to total assets | 76.0326% | 6,573 |
| Equity capital to assets | 8.7240% | 5,919 |
| Core capital (leverage) ratio | 8.0017% | 6,349 |
| Tier 1 risk-based capital ratio | 10.1925% | 6,783 |
| Total risk-based capital ratio | 11.2564% | 6,926 |
| Memoranda: | ||
| Average total assets | $805,537,000 | 860 |
| Average earning assets | $746,596,500 | 844 |
| Average equity | $72,148,500 | 923 |
| Average total loans | $654,908,250 | 733 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9273% | 2,468 |
| Cost of funding earning assets | 2.2154% | 2,723 |
| Net interest margin | 3.7119% | 3,902 |
| Noninterest income to average assets | 0.7373% | 2,777 |
| Noninterest expense to average assets | 1.9797% | 7,496 |
| Loan and lease loss provision to assets | 0.2807% | 4,328 |
| Net operating income to assets | 1.8196% | 439 |
| Return on assets (ROA) | 1.8237% | 480 |
| Pretax return on assets | 1.9212% | 667 |
| Return on Equity (ROE) | 20.1791% | 333 |
| Retained earnings to average equity (ytd only) | 8.0255% | 1,198 |
| Net charge-offs to loans | 0.3020% | 3,677 |
| Credit loss provision to net charge-offs | 113.2591% | 4,093 |
| Earnings coverage of net charge-offs (x) | 8.8664% | 2,210 |
| Efficiency ratio | 46.9341% | 7,810 |
| Assets per employee ($millions) | 4.8437% | 2,268 |
| Cash dividends to net income (ytd only)* | 60.2284% | 1,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0162% | 6,102 |
| Loan loss allowance to noncurrent loans | 137.5182% | 2,144 |
| Noncurrent assets plus other real estate owned to assets | 0.6370% | 5,825 |
| Noncurrent loans to loans | 0.7389% | 5,765 |
| Net loans and leases to total assets | 78.8587% | 1,559 |
| Net loans and leases to deposits | 105.6753% | 783 |
| Net loans and leases to core deposits | 143.4230% | 860 |
| Total domestic deposits to total assets | 74.6236% | 6,840 |
| Equity capital to assets | 8.8883% | 5,470 |
| Core capital (leverage) ratio | 8.2273% | 5,931 |
| Tier 1 risk-based capital ratio | 10.3407% | 6,546 |
| Total risk-based capital ratio | 11.3738% | 6,725 |
| Memoranda: | ||
| Average total assets | $797,191,670 | 882 |
| Average earning assets | $738,815,330 | 867 |
| Average equity | $72,045,000 | 931 |
| Average total loans | $654,411,330 | 754 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9731% | 2,470 |
| Cost of funding earning assets | 2.2662% | 2,858 |
| Net interest margin | 3.7069% | 3,864 |
| Noninterest income to average assets | 0.6510% | 3,193 |
| Noninterest expense to average assets | 1.8879% | 7,569 |
| Loan and lease loss provision to assets | 0.2390% | 4,073 |
| Net operating income to assets | 1.8584% | 474 |
| Return on assets (ROA) | 1.8584% | 528 |
| Pretax return on assets | 1.9591% | 712 |
| Return on Equity (ROE) | 20.3882% | 397 |
| Retained earnings to average equity (ytd only) | 18.8761% | 199 |
| Net charge-offs to loans | 0.2770% | 3,014 |
| Credit loss provision to net charge-offs | 103.5242% | 3,636 |
| Earnings coverage of net charge-offs (x) | 9.5198% | 2,052 |
| Efficiency ratio | 45.7306% | 7,856 |
| Assets per employee ($millions) | 4.9583% | 2,108 |
| Cash dividends to net income (ytd only)* | 7.4165% | 2,750 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 6,277 |
| Loan loss allowance to noncurrent loans | 182.6136% | 1,811 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 5,930 |
| Noncurrent loans to loans | 0.5402% | 6,062 |
| Net loans and leases to total assets | 82.3836% | 949 |
| Net loans and leases to deposits | 112.8209% | 484 |
| Net loans and leases to core deposits | 149.4873% | 727 |
| Total domestic deposits to total assets | 73.0216% | 7,049 |
| Equity capital to assets | 9.2407% | 5,028 |
| Core capital (leverage) ratio | 8.5290% | 5,476 |
| Tier 1 risk-based capital ratio | 10.3926% | 6,502 |
| Total risk-based capital ratio | 11.4059% | 6,663 |
| Memoranda: | ||
| Average total assets | $786,498,000 | 891 |
| Average earning assets | $728,802,000 | 876 |
| Average equity | $71,688,500 | 937 |
| Average total loans | $655,543,000 | 757 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6580% | 2,213 |
| Cost of funding earning assets | 2.8742% | 2,372 |
| Net interest margin | 3.7838% | 4,087 |
| Noninterest income to average assets | 0.7351% | 2,872 |
| Noninterest expense to average assets | 1.8563% | 7,679 |
| Loan and lease loss provision to assets | 0.2913% | 4,049 |
| Net operating income to assets | 1.9643% | 387 |
| Return on assets (ROA) | 1.9643% | 371 |
| Pretax return on assets | 2.0737% | 514 |
| Return on Equity (ROE) | 22.0574% | 254 |
| Retained earnings to average equity (ytd only) | 10.3808% | 398 |
| Net charge-offs to loans | 0.2742% | 3,575 |
| Credit loss provision to net charge-offs | 125.4891% | 4,255 |
| Earnings coverage of net charge-offs (x) | 10.1876% | 2,562 |
| Efficiency ratio | 43.4769% | 8,028 |
| Assets per employee ($millions) | 4.9660% | 1,975 |
| Cash dividends to net income (ytd only)* | 52.9376% | 2,980 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9979% | 6,080 |
| Loan loss allowance to noncurrent loans | 190.6103% | 2,027 |
| Noncurrent assets plus other real estate owned to assets | 0.5018% | 5,689 |
| Noncurrent loans to loans | 0.5235% | 5,785 |
| Net loans and leases to total assets | 82.6641% | 1,107 |
| Net loans and leases to deposits | 114.9258% | 575 |
| Net loans and leases to core deposits | 148.8147% | 895 |
| Total domestic deposits to total assets | 71.9282% | 7,011 |
| Equity capital to assets | 8.9869% | 5,379 |
| Core capital (leverage) ratio | 8.3672% | 5,823 |
| Tier 1 risk-based capital ratio | 9.8523% | 6,902 |
| Total risk-based capital ratio | 10.8623% | 7,081 |
| Memoranda: | ||
| Average total assets | $748,651,200 | 895 |
| Average earning assets | $689,782,800 | 886 |
| Average equity | $66,671,400 | 1,002 |
| Average total loans | $633,917,200 | 753 |